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$45,103
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,506
−HK$1,425/mo
Today · 4.125%
HK$47,931
baseline
▲ 0.50% · 4.625%
HK$50,848
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,862/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,522
−HK$1,366/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$55,675
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,124
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,807
−HK$1,711/mo
Today · 4.125%
HK$57,518
baseline
▲ 0.50% · 4.625%
HK$61,018
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,036/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,212
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,827
−HK$1,638/mo
Today · 4.125%
HK$63,465
baseline
▲ 0.50% · 4.625%
HK$66,811
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,930/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,144
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,109
−HK$1,995/mo
Today · 4.125%
HK$67,104
baseline
▲ 0.50% · 4.625%
HK$71,187
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,208/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,247
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,131
−HK$1,912/mo
Today · 4.125%
HK$74,043
baseline
▲ 0.50% · 4.625%
HK$77,946
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,086/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,186
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,711
−HK$2,566/mo
Today · 4.125%
HK$86,277
baseline
▲ 0.50% · 4.625%
HK$91,526
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,554/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,318
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,740
−HK$2,458/mo
Today · 4.125%
HK$95,198
baseline
▲ 0.50% · 4.625%
HK$100,216
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,396/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,745 · Scale 2, in force from 26 Feb 2026)