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$45,155
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,560
−HK$1,427/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,906
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,234
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,582
−HK$1,367/mo
Today · 4.125%
HK$52,949
baseline
▲ 0.50% · 4.625%
HK$55,739
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,898/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,186
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,872
−HK$1,712/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$61,088
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,640/mo
Today · 4.125%
HK$63,538
baseline
▲ 0.50% · 4.625%
HK$66,887
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,076/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,217
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,183
−HK$1,998/mo
Today · 4.125%
HK$67,181
baseline
▲ 0.50% · 4.625%
HK$71,269
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,362/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,328
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,214
−HK$1,914/mo
Today · 4.125%
HK$74,128
baseline
▲ 0.50% · 4.625%
HK$78,035
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,256/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,279
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,807
−HK$2,569/mo
Today · 4.125%
HK$86,376
baseline
▲ 0.50% · 4.625%
HK$91,632
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,752/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,422
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,847
−HK$2,460/mo
Today · 4.125%
HK$95,307
baseline
▲ 0.50% · 4.625%
HK$100,331
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,614/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,598 · Scale 2, in force from 26 Feb 2026)