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$45,232
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,429/mo
Today · 4.125%
HK$48,068
baseline
▲ 0.50% · 4.625%
HK$50,993
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,136/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,320
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,669
−HK$1,369/mo
Today · 4.125%
HK$53,038
baseline
▲ 0.50% · 4.625%
HK$55,834
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,076/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,278
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,716/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$61,192
+HK$3,510/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,384
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,003
−HK$1,643/mo
Today · 4.125%
HK$63,646
baseline
▲ 0.50% · 4.625%
HK$67,001
+HK$3,355/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,292/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,324
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,294
−HK$2,001/mo
Today · 4.125%
HK$67,295
baseline
▲ 0.50% · 4.625%
HK$71,390
+HK$4,095/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,590/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,448
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,337
−HK$1,917/mo
Today · 4.125%
HK$74,254
baseline
▲ 0.50% · 4.625%
HK$78,168
+HK$3,914/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,508/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,417
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,950
−HK$2,573/mo
Today · 4.125%
HK$86,523
baseline
▲ 0.50% · 4.625%
HK$91,787
+HK$5,264/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,046/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,576
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,005
−HK$2,464/mo
Today · 4.125%
HK$95,469
baseline
▲ 0.50% · 4.625%
HK$100,502
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,938/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,860 · Scale 2, in force from 26 Feb 2026)