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$45,211
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,617
−HK$1,429/mo
Today · 4.125%
HK$48,046
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,092/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,297
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,646
−HK$1,368/mo
Today · 4.125%
HK$53,014
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$2,795/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,028/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,253
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,941
−HK$1,714/mo
Today · 4.125%
HK$57,655
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,310/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,356
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,975
−HK$1,642/mo
Today · 4.125%
HK$63,617
baseline
▲ 0.50% · 4.625%
HK$66,970
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,234/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,295
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,264
−HK$2,001/mo
Today · 4.125%
HK$67,265
baseline
▲ 0.50% · 4.625%
HK$71,358
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,530/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,416
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,304
−HK$1,916/mo
Today · 4.125%
HK$74,220
baseline
▲ 0.50% · 4.625%
HK$78,132
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,440/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,380
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,911
−HK$2,572/mo
Today · 4.125%
HK$86,483
baseline
▲ 0.50% · 4.625%
HK$91,745
+HK$5,262/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,966/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,534
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,962
−HK$2,464/mo
Today · 4.125%
HK$95,426
baseline
▲ 0.50% · 4.625%
HK$100,456
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,852/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,520 · Scale 2, in force from 26 Feb 2026)