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$45,030
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,431
−HK$1,423/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,766
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,095
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,439
−HK$1,363/mo
Today · 4.125%
HK$52,802
baseline
▲ 0.50% · 4.625%
HK$55,585
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,604/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,036
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,717
−HK$1,707/mo
Today · 4.125%
HK$57,424
baseline
▲ 0.50% · 4.625%
HK$60,919
+HK$3,495/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,848/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,114
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,727
−HK$1,635/mo
Today · 4.125%
HK$63,362
baseline
▲ 0.50% · 4.625%
HK$66,702
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,724/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,042
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,003
−HK$1,992/mo
Today · 4.125%
HK$66,995
baseline
▲ 0.50% · 4.625%
HK$71,072
+HK$4,077/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,990/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,134
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,014
−HK$1,909/mo
Today · 4.125%
HK$73,923
baseline
▲ 0.50% · 4.625%
HK$77,819
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,846/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,054
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,575
−HK$2,562/mo
Today · 4.125%
HK$86,137
baseline
▲ 0.50% · 4.625%
HK$91,378
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,274/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,172
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,590
−HK$2,453/mo
Today · 4.125%
HK$95,043
baseline
▲ 0.50% · 4.625%
HK$100,053
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,086/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,541 · Scale 2, in force from 26 Feb 2026)