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$45,161
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,427/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,367/mo
Today · 4.125%
HK$52,956
baseline
▲ 0.50% · 4.625%
HK$55,747
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,912/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,193
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,879
−HK$1,713/mo
Today · 4.125%
HK$57,592
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,184/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,640/mo
Today · 4.125%
HK$63,547
baseline
▲ 0.50% · 4.625%
HK$66,897
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,094/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,226
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,192
−HK$1,998/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$71,279
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,338
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,224
−HK$1,914/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,046
+HK$3,908/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,290
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,819
−HK$2,569/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$91,644
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,434
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,860
−HK$2,460/mo
Today · 4.125%
HK$95,320
baseline
▲ 0.50% · 4.625%
HK$100,345
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,640/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,699 · Scale 2, in force from 26 Feb 2026)