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$45,215
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,429/mo
Today · 4.125%
HK$48,051
baseline
▲ 0.50% · 4.625%
HK$50,975
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,102/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,302
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,651
−HK$1,368/mo
Today · 4.125%
HK$53,019
baseline
▲ 0.50% · 4.625%
HK$55,814
+HK$2,795/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,038/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,259
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,715/mo
Today · 4.125%
HK$57,661
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,322/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,981
−HK$1,642/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$66,977
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,246/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,302
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$2,000/mo
Today · 4.125%
HK$67,271
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,542/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,422
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,311
−HK$1,916/mo
Today · 4.125%
HK$74,227
baseline
▲ 0.50% · 4.625%
HK$78,140
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,454/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,388
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,919
−HK$2,573/mo
Today · 4.125%
HK$86,492
baseline
▲ 0.50% · 4.625%
HK$91,754
+HK$5,262/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$172,984/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,543
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,971
−HK$2,464/mo
Today · 4.125%
HK$95,435
baseline
▲ 0.50% · 4.625%
HK$100,465
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,870/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,592 · Scale 2, in force from 26 Feb 2026)