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$45,050
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,451
−HK$1,424/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,118
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,462
−HK$1,363/mo
Today · 4.125%
HK$52,825
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,650/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,060
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,742
−HK$1,708/mo
Today · 4.125%
HK$57,450
baseline
▲ 0.50% · 4.625%
HK$60,946
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,900/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,141
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,754
−HK$1,637/mo
Today · 4.125%
HK$63,391
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,782/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,070
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,032
−HK$1,993/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$71,103
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,165
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,047
−HK$1,909/mo
Today · 4.125%
HK$73,956
baseline
▲ 0.50% · 4.625%
HK$77,854
+HK$3,898/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,912/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,090
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,613
−HK$2,562/mo
Today · 4.125%
HK$86,175
baseline
▲ 0.50% · 4.625%
HK$91,419
+HK$5,244/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,350/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,212
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,631
−HK$2,455/mo
Today · 4.125%
HK$95,086
baseline
▲ 0.50% · 4.625%
HK$100,098
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,172/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,872 · Scale 2, in force from 26 Feb 2026)