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$45,337
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,433/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,932/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,437
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,790
−HK$1,372/mo
Today · 4.125%
HK$53,162
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,324/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,404
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,719/mo
Today · 4.125%
HK$57,816
baseline
▲ 0.50% · 4.625%
HK$61,334
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,632/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,524
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,646/mo
Today · 4.125%
HK$63,794
baseline
▲ 0.50% · 4.625%
HK$67,157
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,588/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,472
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,446
−HK$2,006/mo
Today · 4.125%
HK$67,452
baseline
▲ 0.50% · 4.625%
HK$71,556
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,904/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,612
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,506
−HK$1,921/mo
Today · 4.125%
HK$74,427
baseline
▲ 0.50% · 4.625%
HK$78,350
+HK$3,923/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,854/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,607
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,145
−HK$2,579/mo
Today · 4.125%
HK$86,724
baseline
▲ 0.50% · 4.625%
HK$92,001
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,448/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,787
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,222
−HK$2,470/mo
Today · 4.125%
HK$95,692
baseline
▲ 0.50% · 4.625%
HK$100,736
+HK$5,044/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,384/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,592 · Scale 2, in force from 26 Feb 2026)