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$45,314
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,432/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,930/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,412
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,764
−HK$1,372/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$2,800/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,377
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,718/mo
Today · 4.125%
HK$57,787
baseline
▲ 0.50% · 4.625%
HK$61,304
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,574/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,494
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,117
−HK$1,646/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,124
+HK$3,361/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,440
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,414
−HK$2,005/mo
Today · 4.125%
HK$67,419
baseline
▲ 0.50% · 4.625%
HK$71,521
+HK$4,102/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,838/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,577
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,470
−HK$1,920/mo
Today · 4.125%
HK$74,390
baseline
▲ 0.50% · 4.625%
HK$78,311
+HK$3,921/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,780/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,566
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,103
−HK$2,578/mo
Today · 4.125%
HK$86,681
baseline
▲ 0.50% · 4.625%
HK$91,955
+HK$5,274/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,362/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,741
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,175
−HK$2,469/mo
Today · 4.125%
HK$95,644
baseline
▲ 0.50% · 4.625%
HK$100,685
+HK$5,041/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,288/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,221 · Scale 2, in force from 26 Feb 2026)