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$45,199
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,429/mo
Today · 4.125%
HK$48,034
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,068/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,284
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,632
−HK$1,368/mo
Today · 4.125%
HK$53,000
baseline
▲ 0.50% · 4.625%
HK$55,794
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,000/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,239
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,926
−HK$1,714/mo
Today · 4.125%
HK$57,640
baseline
▲ 0.50% · 4.625%
HK$61,148
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,280/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,340
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,959
−HK$1,641/mo
Today · 4.125%
HK$63,600
baseline
▲ 0.50% · 4.625%
HK$66,953
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,200/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,279
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,247
−HK$2,000/mo
Today · 4.125%
HK$67,247
baseline
▲ 0.50% · 4.625%
HK$71,339
+HK$4,092/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,494/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,397
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,285
−HK$1,916/mo
Today · 4.125%
HK$74,201
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$3,911/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,402/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,359
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,889
−HK$2,572/mo
Today · 4.125%
HK$86,461
baseline
▲ 0.50% · 4.625%
HK$91,721
+HK$5,260/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,922/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,511
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,938
−HK$2,463/mo
Today · 4.125%
HK$95,401
baseline
▲ 0.50% · 4.625%
HK$100,429
+HK$5,028/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,802/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,326 · Scale 2, in force from 26 Feb 2026)