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$45,158
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,563
−HK$1,427/mo
Today · 4.125%
HK$47,990
baseline
▲ 0.50% · 4.625%
HK$50,910
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,980/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,238
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,585
−HK$1,367/mo
Today · 4.125%
HK$52,952
baseline
▲ 0.50% · 4.625%
HK$55,743
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,904/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,189
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,875
−HK$1,713/mo
Today · 4.125%
HK$57,588
baseline
▲ 0.50% · 4.625%
HK$61,092
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,176/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,285
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,902
−HK$1,640/mo
Today · 4.125%
HK$63,542
baseline
▲ 0.50% · 4.625%
HK$66,892
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,084/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,221
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,188
−HK$1,998/mo
Today · 4.125%
HK$67,186
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,372/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,333
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$1,914/mo
Today · 4.125%
HK$74,133
baseline
▲ 0.50% · 4.625%
HK$78,040
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,266/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,284
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,813
−HK$2,568/mo
Today · 4.125%
HK$86,381
baseline
▲ 0.50% · 4.625%
HK$91,638
+HK$5,257/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,762/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,428
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,853
−HK$2,460/mo
Today · 4.125%
HK$95,313
baseline
▲ 0.50% · 4.625%
HK$100,338
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,626/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,646 · Scale 2, in force from 26 Feb 2026)