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$2,827/mo
▼ 0.25% · 3.875%
HK$46,488
−HK$1,425/mo
Today · 4.125%
HK$47,913
baseline
▲ 0.50% · 4.625%
HK$50,828
+HK$2,915/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,826/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,157
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,502
−HK$1,365/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$55,654
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,103
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,709/mo
Today · 4.125%
HK$57,495
baseline
▲ 0.50% · 4.625%
HK$60,994
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,990/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,189
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,803
−HK$1,637/mo
Today · 4.125%
HK$63,440
baseline
▲ 0.50% · 4.625%
HK$66,784
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,880/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,120
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,083
−HK$1,995/mo
Today · 4.125%
HK$67,078
baseline
▲ 0.50% · 4.625%
HK$71,159
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,156/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,220
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,103
−HK$1,911/mo
Today · 4.125%
HK$74,014
baseline
▲ 0.50% · 4.625%
HK$77,915
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,028/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,154
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,678
−HK$2,565/mo
Today · 4.125%
HK$86,243
baseline
▲ 0.50% · 4.625%
HK$91,491
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,486/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,283
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,704
−HK$2,457/mo
Today · 4.125%
HK$95,161
baseline
▲ 0.50% · 4.625%
HK$100,177
+HK$5,016/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,322/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,455 · Scale 2, in force from 26 Feb 2026)