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$45,145
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,427/mo
Today · 4.125%
HK$47,976
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,952/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,366/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,174
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,859
−HK$1,712/mo
Today · 4.125%
HK$57,571
baseline
▲ 0.50% · 4.625%
HK$61,074
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,142/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,268
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,884
−HK$1,640/mo
Today · 4.125%
HK$63,524
baseline
▲ 0.50% · 4.625%
HK$66,872
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,048/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,203
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,169
−HK$1,997/mo
Today · 4.125%
HK$67,166
baseline
▲ 0.50% · 4.625%
HK$71,253
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,332/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,312
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,198
−HK$1,913/mo
Today · 4.125%
HK$74,111
baseline
▲ 0.50% · 4.625%
HK$78,017
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,222/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,260
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,788
−HK$2,568/mo
Today · 4.125%
HK$86,356
baseline
▲ 0.50% · 4.625%
HK$91,611
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,712/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,401
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,826
−HK$2,460/mo
Today · 4.125%
HK$95,286
baseline
▲ 0.50% · 4.625%
HK$100,308
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,572/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,428 · Scale 2, in force from 26 Feb 2026)