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$45,295
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,432/mo
Today · 4.125%
HK$48,136
baseline
▲ 0.50% · 4.625%
HK$51,065
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,272/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,742
−HK$1,371/mo
Today · 4.125%
HK$53,113
baseline
▲ 0.50% · 4.625%
HK$55,913
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,226/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,354
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,045
−HK$1,718/mo
Today · 4.125%
HK$57,763
baseline
▲ 0.50% · 4.625%
HK$61,277
+HK$3,514/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,526/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,469
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,090
−HK$1,645/mo
Today · 4.125%
HK$63,735
baseline
▲ 0.50% · 4.625%
HK$67,095
+HK$3,360/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,470/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,413
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,386
−HK$2,004/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$71,490
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,547
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$1,919/mo
Today · 4.125%
HK$74,358
baseline
▲ 0.50% · 4.625%
HK$78,278
+HK$3,920/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,716/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,531
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,067
−HK$2,577/mo
Today · 4.125%
HK$86,644
baseline
▲ 0.50% · 4.625%
HK$91,916
+HK$5,272/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,288/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,703
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,135
−HK$2,468/mo
Today · 4.125%
HK$95,603
baseline
▲ 0.50% · 4.625%
HK$100,643
+HK$5,040/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,206/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,903 · Scale 2, in force from 26 Feb 2026)