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$45,108
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,511
−HK$1,426/mo
Today · 4.125%
HK$47,937
baseline
▲ 0.50% · 4.625%
HK$50,854
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,874/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,182
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,528
−HK$1,365/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$55,682
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,130
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,711/mo
Today · 4.125%
HK$57,524
baseline
▲ 0.50% · 4.625%
HK$61,024
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,048/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,219
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,834
−HK$1,638/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$66,818
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,151
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,116
−HK$1,995/mo
Today · 4.125%
HK$67,111
baseline
▲ 0.50% · 4.625%
HK$71,195
+HK$4,084/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,222/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,255
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,139
−HK$1,912/mo
Today · 4.125%
HK$74,051
baseline
▲ 0.50% · 4.625%
HK$77,954
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,102/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,195
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,720
−HK$2,566/mo
Today · 4.125%
HK$86,286
baseline
▲ 0.50% · 4.625%
HK$91,536
+HK$5,250/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,572/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,328
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,751
−HK$2,457/mo
Today · 4.125%
HK$95,208
baseline
▲ 0.50% · 4.625%
HK$100,227
+HK$5,019/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,416/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,827 · Scale 2, in force from 26 Feb 2026)