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$45,293
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,702
−HK$1,432/mo
Today · 4.125%
HK$48,134
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,268/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,388
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,740
−HK$1,371/mo
Today · 4.125%
HK$53,111
baseline
▲ 0.50% · 4.625%
HK$55,910
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,222/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,352
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,043
−HK$1,717/mo
Today · 4.125%
HK$57,760
baseline
▲ 0.50% · 4.625%
HK$61,275
+HK$3,515/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,520/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,466
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,088
−HK$1,645/mo
Today · 4.125%
HK$63,733
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,359/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,466/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,411
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,383
−HK$2,004/mo
Today · 4.125%
HK$67,387
baseline
▲ 0.50% · 4.625%
HK$71,488
+HK$4,101/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,774/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,544
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,436
−HK$1,919/mo
Today · 4.125%
HK$74,355
baseline
▲ 0.50% · 4.625%
HK$78,274
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,710/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,528
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,064
−HK$2,577/mo
Today · 4.125%
HK$86,641
baseline
▲ 0.50% · 4.625%
HK$91,913
+HK$5,272/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,282/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,699
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,132
−HK$2,467/mo
Today · 4.125%
HK$95,599
baseline
▲ 0.50% · 4.625%
HK$100,639
+HK$5,040/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,198/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,874 · Scale 2, in force from 26 Feb 2026)