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$45,163
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,567
−HK$1,428/mo
Today · 4.125%
HK$47,995
baseline
▲ 0.50% · 4.625%
HK$50,915
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,990/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,243
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,590
−HK$1,367/mo
Today · 4.125%
HK$52,957
baseline
▲ 0.50% · 4.625%
HK$55,749
+HK$2,792/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,914/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,195
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,713/mo
Today · 4.125%
HK$57,594
baseline
▲ 0.50% · 4.625%
HK$61,098
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,188/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,292
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,909
−HK$1,640/mo
Today · 4.125%
HK$63,549
baseline
▲ 0.50% · 4.625%
HK$66,899
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,098/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,228
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,194
−HK$1,999/mo
Today · 4.125%
HK$67,193
baseline
▲ 0.50% · 4.625%
HK$71,281
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,386/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,340
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,227
−HK$1,913/mo
Today · 4.125%
HK$74,140
baseline
▲ 0.50% · 4.625%
HK$78,049
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,280/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,293
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,821
−HK$2,570/mo
Today · 4.125%
HK$86,391
baseline
▲ 0.50% · 4.625%
HK$91,647
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,782/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,437
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,863
−HK$2,460/mo
Today · 4.125%
HK$95,323
baseline
▲ 0.50% · 4.625%
HK$100,348
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,646/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,724 · Scale 2, in force from 26 Feb 2026)