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$45,287
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,696
−HK$1,431/mo
Today · 4.125%
HK$48,127
baseline
▲ 0.50% · 4.625%
HK$51,056
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,254/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,382
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,733
−HK$1,371/mo
Today · 4.125%
HK$53,104
baseline
▲ 0.50% · 4.625%
HK$55,903
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,208/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,345
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,035
−HK$1,718/mo
Today · 4.125%
HK$57,753
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,506/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,645/mo
Today · 4.125%
HK$63,724
baseline
▲ 0.50% · 4.625%
HK$67,083
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,448/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,402
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,374
−HK$2,004/mo
Today · 4.125%
HK$67,378
baseline
▲ 0.50% · 4.625%
HK$71,478
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,756/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,534
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,426
−HK$1,919/mo
Today · 4.125%
HK$74,345
baseline
▲ 0.50% · 4.625%
HK$78,264
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,690/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,517
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,053
−HK$2,576/mo
Today · 4.125%
HK$86,629
baseline
▲ 0.50% · 4.625%
HK$91,900
+HK$5,271/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,258/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,687
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,119
−HK$2,467/mo
Today · 4.125%
HK$95,586
baseline
▲ 0.50% · 4.625%
HK$100,625
+HK$5,039/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,172/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,772 · Scale 2, in force from 26 Feb 2026)