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$45,140
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,544
−HK$1,427/mo
Today · 4.125%
HK$47,971
baseline
▲ 0.50% · 4.625%
HK$50,890
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,942/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,565
−HK$1,366/mo
Today · 4.125%
HK$52,931
baseline
▲ 0.50% · 4.625%
HK$55,721
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,862/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,168
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,853
−HK$1,712/mo
Today · 4.125%
HK$57,565
baseline
▲ 0.50% · 4.625%
HK$61,068
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,130/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,262
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,878
−HK$1,639/mo
Today · 4.125%
HK$63,517
baseline
▲ 0.50% · 4.625%
HK$66,865
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,034/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,196
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,162
−HK$1,997/mo
Today · 4.125%
HK$67,159
baseline
▲ 0.50% · 4.625%
HK$71,246
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,318/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,305
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,191
−HK$1,913/mo
Today · 4.125%
HK$74,104
baseline
▲ 0.50% · 4.625%
HK$78,010
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,208/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,252
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,780
−HK$2,568/mo
Today · 4.125%
HK$86,348
baseline
▲ 0.50% · 4.625%
HK$91,602
+HK$5,254/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,696/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,392
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,817
−HK$2,459/mo
Today · 4.125%
HK$95,276
baseline
▲ 0.50% · 4.625%
HK$100,298
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,552/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,354 · Scale 2, in force from 26 Feb 2026)