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$45,247
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,430/mo
Today · 4.125%
HK$48,085
baseline
▲ 0.50% · 4.625%
HK$51,010
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,170/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,337
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,687
−HK$1,370/mo
Today · 4.125%
HK$53,057
baseline
▲ 0.50% · 4.625%
HK$55,853
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,114/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,297
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,986
−HK$1,716/mo
Today · 4.125%
HK$57,702
baseline
▲ 0.50% · 4.625%
HK$61,213
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,404/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,404
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,025
−HK$1,643/mo
Today · 4.125%
HK$63,668
baseline
▲ 0.50% · 4.625%
HK$67,024
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,336/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,346
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,317
−HK$2,001/mo
Today · 4.125%
HK$67,318
baseline
▲ 0.50% · 4.625%
HK$71,415
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,636/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,472
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,362
−HK$1,917/mo
Today · 4.125%
HK$74,279
baseline
▲ 0.50% · 4.625%
HK$78,195
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,558/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,445
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,978
−HK$2,574/mo
Today · 4.125%
HK$86,552
baseline
▲ 0.50% · 4.625%
HK$91,819
+HK$5,267/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,104/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,607
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,037
−HK$2,465/mo
Today · 4.125%
HK$95,502
baseline
▲ 0.50% · 4.625%
HK$100,536
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,004/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,114 · Scale 2, in force from 26 Feb 2026)