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$45,154
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,559
−HK$1,427/mo
Today · 4.125%
HK$47,986
baseline
▲ 0.50% · 4.625%
HK$50,905
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,972/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,233
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,581
−HK$1,366/mo
Today · 4.125%
HK$52,947
baseline
▲ 0.50% · 4.625%
HK$55,738
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,894/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,185
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,870
−HK$1,713/mo
Today · 4.125%
HK$57,583
baseline
▲ 0.50% · 4.625%
HK$61,086
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,166/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,280
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,897
−HK$1,640/mo
Today · 4.125%
HK$63,537
baseline
▲ 0.50% · 4.625%
HK$66,886
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,074/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,216
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,182
−HK$1,998/mo
Today · 4.125%
HK$67,180
baseline
▲ 0.50% · 4.625%
HK$71,268
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,360/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,327
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,213
−HK$1,913/mo
Today · 4.125%
HK$74,126
baseline
▲ 0.50% · 4.625%
HK$78,034
+HK$3,908/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,252/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,277
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,805
−HK$2,569/mo
Today · 4.125%
HK$86,374
baseline
▲ 0.50% · 4.625%
HK$91,630
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,748/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,420
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,845
−HK$2,460/mo
Today · 4.125%
HK$95,305
baseline
▲ 0.50% · 4.625%
HK$100,329
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,610/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,582 · Scale 2, in force from 26 Feb 2026)