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$45,100
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,503
−HK$1,426/mo
Today · 4.125%
HK$47,929
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,858/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,519
−HK$1,366/mo
Today · 4.125%
HK$52,885
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,770/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,121
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,710/mo
Today · 4.125%
HK$57,514
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,028/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,209
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,823
−HK$1,638/mo
Today · 4.125%
HK$63,461
baseline
▲ 0.50% · 4.625%
HK$66,807
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,922/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,141
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,105
−HK$1,995/mo
Today · 4.125%
HK$67,100
baseline
▲ 0.50% · 4.625%
HK$71,183
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,200/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,243
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,127
−HK$1,911/mo
Today · 4.125%
HK$74,038
baseline
▲ 0.50% · 4.625%
HK$77,941
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,076/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,181
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,706
−HK$2,566/mo
Today · 4.125%
HK$86,272
baseline
▲ 0.50% · 4.625%
HK$91,521
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,544/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,313
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,735
−HK$2,457/mo
Today · 4.125%
HK$95,192
baseline
▲ 0.50% · 4.625%
HK$100,210
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,384/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,701 · Scale 2, in force from 26 Feb 2026)