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$45,286
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,695
−HK$1,431/mo
Today · 4.125%
HK$48,126
baseline
▲ 0.50% · 4.625%
HK$51,054
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,252/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,380
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,371/mo
Today · 4.125%
HK$53,102
baseline
▲ 0.50% · 4.625%
HK$55,901
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,204/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,343
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,033
−HK$1,718/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$61,265
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,456
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,645/mo
Today · 4.125%
HK$63,722
baseline
▲ 0.50% · 4.625%
HK$67,081
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,444/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,400
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,372
−HK$2,004/mo
Today · 4.125%
HK$67,376
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,752/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,532
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,424
−HK$1,919/mo
Today · 4.125%
HK$74,343
baseline
▲ 0.50% · 4.625%
HK$78,261
+HK$3,918/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,686/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,515
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,050
−HK$2,576/mo
Today · 4.125%
HK$86,626
baseline
▲ 0.50% · 4.625%
HK$91,897
+HK$5,271/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,252/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,684
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,116
−HK$2,467/mo
Today · 4.125%
HK$95,583
baseline
▲ 0.50% · 4.625%
HK$100,622
+HK$5,039/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,166/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,750 · Scale 2, in force from 26 Feb 2026)