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$45,140
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,544
−HK$1,426/mo
Today · 4.125%
HK$47,970
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,940/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,217
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,564
−HK$1,366/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$55,721
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,168
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,852
−HK$1,712/mo
Today · 4.125%
HK$57,564
baseline
▲ 0.50% · 4.625%
HK$61,067
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,128/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,877
−HK$1,640/mo
Today · 4.125%
HK$63,517
baseline
▲ 0.50% · 4.625%
HK$66,865
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,034/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,196
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,161
−HK$1,997/mo
Today · 4.125%
HK$67,158
baseline
▲ 0.50% · 4.625%
HK$71,245
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,316/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,304
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,190
−HK$1,913/mo
Today · 4.125%
HK$74,103
baseline
▲ 0.50% · 4.625%
HK$78,009
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,206/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,251
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,779
−HK$2,568/mo
Today · 4.125%
HK$86,347
baseline
▲ 0.50% · 4.625%
HK$91,601
+HK$5,254/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,694/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,391
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,816
−HK$2,459/mo
Today · 4.125%
HK$95,275
baseline
▲ 0.50% · 4.625%
HK$100,297
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,550/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,345 · Scale 2, in force from 26 Feb 2026)