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$45,229
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,430/mo
Today · 4.125%
HK$48,065
baseline
▲ 0.50% · 4.625%
HK$50,989
+HK$2,924/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,130/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,666
−HK$1,369/mo
Today · 4.125%
HK$53,035
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$2,795/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,070/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,274
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,963
−HK$1,715/mo
Today · 4.125%
HK$57,678
baseline
▲ 0.50% · 4.625%
HK$61,187
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,356/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,380
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,999
−HK$1,643/mo
Today · 4.125%
HK$63,642
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,284/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,320
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,290
−HK$2,001/mo
Today · 4.125%
HK$67,291
baseline
▲ 0.50% · 4.625%
HK$71,385
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,582/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,443
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,332
−HK$1,917/mo
Today · 4.125%
HK$74,249
baseline
▲ 0.50% · 4.625%
HK$78,162
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,498/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,411
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,944
−HK$2,573/mo
Today · 4.125%
HK$86,517
baseline
▲ 0.50% · 4.625%
HK$91,781
+HK$5,264/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,034/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,569
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$92,998
−HK$2,465/mo
Today · 4.125%
HK$95,463
baseline
▲ 0.50% · 4.625%
HK$100,495
+HK$5,032/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,926/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,808 · Scale 2, in force from 26 Feb 2026)