The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$45,292
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,700
−HK$1,432/mo
Today · 4.125%
HK$48,132
baseline
▲ 0.50% · 4.625%
HK$51,060
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,264/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,386
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,738
−HK$1,371/mo
Today · 4.125%
HK$53,109
baseline
▲ 0.50% · 4.625%
HK$55,908
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,218/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,350
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,041
−HK$1,717/mo
Today · 4.125%
HK$57,758
baseline
▲ 0.50% · 4.625%
HK$61,273
+HK$3,515/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,516/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,464
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,085
−HK$1,645/mo
Today · 4.125%
HK$63,730
baseline
▲ 0.50% · 4.625%
HK$67,090
+HK$3,360/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,460/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,408
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,381
−HK$2,004/mo
Today · 4.125%
HK$67,385
baseline
▲ 0.50% · 4.625%
HK$71,485
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,770/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,541
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,433
−HK$1,919/mo
Today · 4.125%
HK$74,352
baseline
▲ 0.50% · 4.625%
HK$78,271
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,704/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,525
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,061
−HK$2,576/mo
Today · 4.125%
HK$86,637
baseline
▲ 0.50% · 4.625%
HK$91,909
+HK$5,272/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,274/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,696
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,128
−HK$2,468/mo
Today · 4.125%
HK$95,596
baseline
▲ 0.50% · 4.625%
HK$100,635
+HK$5,039/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,192/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,844 · Scale 2, in force from 26 Feb 2026)