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$45,086
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,489
−HK$1,425/mo
Today · 4.125%
HK$47,914
baseline
▲ 0.50% · 4.625%
HK$50,829
+HK$2,915/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,828/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,158
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,503
−HK$1,365/mo
Today · 4.125%
HK$52,868
baseline
▲ 0.50% · 4.625%
HK$55,655
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,736/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,104
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,787
−HK$1,709/mo
Today · 4.125%
HK$57,496
baseline
▲ 0.50% · 4.625%
HK$60,995
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,992/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,190
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,804
−HK$1,638/mo
Today · 4.125%
HK$63,442
baseline
▲ 0.50% · 4.625%
HK$66,786
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,884/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,121
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,084
−HK$1,995/mo
Today · 4.125%
HK$67,079
baseline
▲ 0.50% · 4.625%
HK$71,161
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,158/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,221
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,105
−HK$1,910/mo
Today · 4.125%
HK$74,015
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,030/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,156
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,680
−HK$2,565/mo
Today · 4.125%
HK$86,245
baseline
▲ 0.50% · 4.625%
HK$91,492
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,490/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,285
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,706
−HK$2,456/mo
Today · 4.125%
HK$95,162
baseline
▲ 0.50% · 4.625%
HK$100,179
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,324/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,470 · Scale 2, in force from 26 Feb 2026)