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$45,018
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,423/mo
Today · 4.125%
HK$47,841
baseline
▲ 0.50% · 4.625%
HK$50,752
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,682/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,082
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,363/mo
Today · 4.125%
HK$52,788
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$2,782/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,576/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,022
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,702
−HK$1,707/mo
Today · 4.125%
HK$57,409
baseline
▲ 0.50% · 4.625%
HK$60,902
+HK$3,493/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,818/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,098
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,710
−HK$1,635/mo
Today · 4.125%
HK$63,345
baseline
▲ 0.50% · 4.625%
HK$66,684
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,690/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,025
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,986
−HK$1,991/mo
Today · 4.125%
HK$66,977
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,954/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,115
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,995
−HK$1,908/mo
Today · 4.125%
HK$73,903
baseline
▲ 0.50% · 4.625%
HK$77,798
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,806/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,032
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,553
−HK$2,561/mo
Today · 4.125%
HK$86,114
baseline
▲ 0.50% · 4.625%
HK$91,354
+HK$5,240/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,228/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,148
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,565
−HK$2,453/mo
Today · 4.125%
HK$95,018
baseline
▲ 0.50% · 4.625%
HK$100,027
+HK$5,009/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,036/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,344 · Scale 2, in force from 26 Feb 2026)