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$45,159
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,427/mo
Today · 4.125%
HK$47,991
baseline
▲ 0.50% · 4.625%
HK$50,911
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,982/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,239
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,587
−HK$1,366/mo
Today · 4.125%
HK$52,953
baseline
▲ 0.50% · 4.625%
HK$55,745
+HK$2,792/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,906/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,191
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,877
−HK$1,712/mo
Today · 4.125%
HK$57,589
baseline
▲ 0.50% · 4.625%
HK$61,094
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,178/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,287
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,904
−HK$1,640/mo
Today · 4.125%
HK$63,544
baseline
▲ 0.50% · 4.625%
HK$66,894
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,088/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,223
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,190
−HK$1,998/mo
Today · 4.125%
HK$67,188
baseline
▲ 0.50% · 4.625%
HK$71,276
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,376/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,335
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,221
−HK$1,914/mo
Today · 4.125%
HK$74,135
baseline
▲ 0.50% · 4.625%
HK$78,043
+HK$3,908/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,270/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,287
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,815
−HK$2,569/mo
Today · 4.125%
HK$86,384
baseline
▲ 0.50% · 4.625%
HK$91,640
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,768/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,431
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,856
−HK$2,460/mo
Today · 4.125%
HK$95,316
baseline
▲ 0.50% · 4.625%
HK$100,340
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,632/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,667 · Scale 2, in force from 26 Feb 2026)