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$45,067
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,424/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,136
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,481
−HK$1,364/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$55,631
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,080
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,762
−HK$1,709/mo
Today · 4.125%
HK$57,471
baseline
▲ 0.50% · 4.625%
HK$60,968
+HK$3,497/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,942/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,164
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,777
−HK$1,637/mo
Today · 4.125%
HK$63,414
baseline
▲ 0.50% · 4.625%
HK$66,757
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,828/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,093
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,056
−HK$1,994/mo
Today · 4.125%
HK$67,050
baseline
▲ 0.50% · 4.625%
HK$71,130
+HK$4,080/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,100/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,191
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,073
−HK$1,910/mo
Today · 4.125%
HK$73,983
baseline
▲ 0.50% · 4.625%
HK$77,883
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,966/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,120
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,644
−HK$2,563/mo
Today · 4.125%
HK$86,207
baseline
▲ 0.50% · 4.625%
HK$91,453
+HK$5,246/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,414/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,245
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,666
−HK$2,455/mo
Today · 4.125%
HK$95,121
baseline
▲ 0.50% · 4.625%
HK$100,135
+HK$5,014/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,242/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,147 · Scale 2, in force from 26 Feb 2026)