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$45,260
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,668
−HK$1,430/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$51,025
+HK$2,927/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,351
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,702
−HK$1,370/mo
Today · 4.125%
HK$53,072
baseline
▲ 0.50% · 4.625%
HK$55,869
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,144/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,312
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,002
−HK$1,716/mo
Today · 4.125%
HK$57,718
baseline
▲ 0.50% · 4.625%
HK$61,230
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,436/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,422
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,042
−HK$1,644/mo
Today · 4.125%
HK$63,686
baseline
▲ 0.50% · 4.625%
HK$67,043
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,372/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,364
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,335
−HK$2,003/mo
Today · 4.125%
HK$67,338
baseline
▲ 0.50% · 4.625%
HK$71,435
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,676/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,492
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,383
−HK$1,917/mo
Today · 4.125%
HK$74,300
baseline
▲ 0.50% · 4.625%
HK$78,217
+HK$3,917/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,600/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,468
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,002
−HK$2,575/mo
Today · 4.125%
HK$86,577
baseline
▲ 0.50% · 4.625%
HK$91,845
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,154/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,633
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,063
−HK$2,466/mo
Today · 4.125%
HK$95,529
baseline
▲ 0.50% · 4.625%
HK$100,565
+HK$5,036/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,058/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,327 · Scale 2, in force from 26 Feb 2026)