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$45,003
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,422/mo
Today · 4.125%
HK$47,825
baseline
▲ 0.50% · 4.625%
HK$50,736
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,650/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,066
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,409
−HK$1,362/mo
Today · 4.125%
HK$52,771
baseline
▲ 0.50% · 4.625%
HK$55,552
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,542/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,004
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,684
−HK$1,707/mo
Today · 4.125%
HK$57,391
baseline
▲ 0.50% · 4.625%
HK$60,883
+HK$3,492/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,782/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,079
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,690
−HK$1,635/mo
Today · 4.125%
HK$63,325
baseline
▲ 0.50% · 4.625%
HK$66,663
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,650/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,005
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,991/mo
Today · 4.125%
HK$66,956
baseline
▲ 0.50% · 4.625%
HK$71,030
+HK$4,074/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,912/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,092
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,972
−HK$1,907/mo
Today · 4.125%
HK$73,879
baseline
▲ 0.50% · 4.625%
HK$77,773
+HK$3,894/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,758/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,526
−HK$2,560/mo
Today · 4.125%
HK$86,086
baseline
▲ 0.50% · 4.625%
HK$91,324
+HK$5,238/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,172/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,118
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,535
−HK$2,452/mo
Today · 4.125%
HK$94,987
baseline
▲ 0.50% · 4.625%
HK$99,994
+HK$5,007/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,974/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,104 · Scale 2, in force from 26 Feb 2026)