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$45,332
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,742
−HK$1,433/mo
Today · 4.125%
HK$48,175
baseline
▲ 0.50% · 4.625%
HK$51,106
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,350/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,431
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,784
−HK$1,372/mo
Today · 4.125%
HK$53,156
baseline
▲ 0.50% · 4.625%
HK$55,958
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,312/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,090
−HK$1,720/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,620/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,646/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,149
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,465
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,439
−HK$2,005/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$71,548
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,604
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,497
−HK$1,921/mo
Today · 4.125%
HK$74,418
baseline
▲ 0.50% · 4.625%
HK$78,341
+HK$3,923/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,836/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,597
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,136
−HK$2,578/mo
Today · 4.125%
HK$86,714
baseline
▲ 0.50% · 4.625%
HK$91,991
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,428/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,776
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,211
−HK$2,470/mo
Today · 4.125%
HK$95,681
baseline
▲ 0.50% · 4.625%
HK$100,724
+HK$5,043/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,362/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,507 · Scale 2, in force from 26 Feb 2026)