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$45,251
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,658
−HK$1,430/mo
Today · 4.125%
HK$48,088
baseline
▲ 0.50% · 4.625%
HK$51,014
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,176/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,341
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,370/mo
Today · 4.125%
HK$53,061
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,122/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,301
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,990
−HK$1,716/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$61,217
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,409
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,029
−HK$1,644/mo
Today · 4.125%
HK$63,673
baseline
▲ 0.50% · 4.625%
HK$67,029
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,346/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,351
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,322
−HK$2,002/mo
Today · 4.125%
HK$67,324
baseline
▲ 0.50% · 4.625%
HK$71,420
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,648/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,477
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,367
−HK$1,918/mo
Today · 4.125%
HK$74,285
baseline
▲ 0.50% · 4.625%
HK$78,201
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,570/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,451
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,985
−HK$2,574/mo
Today · 4.125%
HK$86,559
baseline
▲ 0.50% · 4.625%
HK$91,826
+HK$5,267/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,118/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,614
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,044
−HK$2,465/mo
Today · 4.125%
HK$95,509
baseline
▲ 0.50% · 4.625%
HK$100,544
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,018/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,172 · Scale 2, in force from 26 Feb 2026)