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$2,837/mo
▼ 0.25% · 3.875%
HK$46,654
−HK$1,430/mo
Today · 4.125%
HK$48,084
baseline
▲ 0.50% · 4.625%
HK$51,010
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,168/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,336
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,686
−HK$1,370/mo
Today · 4.125%
HK$53,056
baseline
▲ 0.50% · 4.625%
HK$55,853
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,112/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,296
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,985
−HK$1,716/mo
Today · 4.125%
HK$57,701
baseline
▲ 0.50% · 4.625%
HK$61,212
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,402/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,404
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,024
−HK$1,643/mo
Today · 4.125%
HK$63,667
baseline
▲ 0.50% · 4.625%
HK$67,023
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,334/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,345
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,316
−HK$2,002/mo
Today · 4.125%
HK$67,318
baseline
▲ 0.50% · 4.625%
HK$71,414
+HK$4,096/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$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,471
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,361
−HK$1,917/mo
Today · 4.125%
HK$74,278
baseline
▲ 0.50% · 4.625%
HK$78,194
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,556/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,444
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,977
−HK$2,574/mo
Today · 4.125%
HK$86,551
baseline
▲ 0.50% · 4.625%
HK$91,818
+HK$5,267/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,102/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,606
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,036
−HK$2,465/mo
Today · 4.125%
HK$95,501
baseline
▲ 0.50% · 4.625%
HK$100,535
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,002/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,105 · Scale 2, in force from 26 Feb 2026)