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$45,133
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,537
−HK$1,426/mo
Today · 4.125%
HK$47,963
baseline
▲ 0.50% · 4.625%
HK$50,881
+HK$2,918/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,926/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,210
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,366/mo
Today · 4.125%
HK$52,922
baseline
▲ 0.50% · 4.625%
HK$55,712
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,844/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,159
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,844
−HK$1,712/mo
Today · 4.125%
HK$57,556
baseline
▲ 0.50% · 4.625%
HK$61,058
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,112/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,252
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,868
−HK$1,639/mo
Today · 4.125%
HK$63,507
baseline
▲ 0.50% · 4.625%
HK$66,854
+HK$3,347/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,014/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,186
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,151
−HK$1,997/mo
Today · 4.125%
HK$67,148
baseline
▲ 0.50% · 4.625%
HK$71,234
+HK$4,086/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,296/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,294
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,179
−HK$1,912/mo
Today · 4.125%
HK$74,091
baseline
▲ 0.50% · 4.625%
HK$77,997
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,182/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,239
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,766
−HK$2,567/mo
Today · 4.125%
HK$86,333
baseline
▲ 0.50% · 4.625%
HK$91,586
+HK$5,253/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,666/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,377
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,801
−HK$2,459/mo
Today · 4.125%
HK$95,260
baseline
▲ 0.50% · 4.625%
HK$100,282
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,520/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,232 · Scale 2, in force from 26 Feb 2026)