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$45,022
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,422
−HK$1,423/mo
Today · 4.125%
HK$47,845
baseline
▲ 0.50% · 4.625%
HK$50,756
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,690/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,086
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,430
−HK$1,362/mo
Today · 4.125%
HK$52,792
baseline
▲ 0.50% · 4.625%
HK$55,575
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,584/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,026
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,707
−HK$1,707/mo
Today · 4.125%
HK$57,414
baseline
▲ 0.50% · 4.625%
HK$60,908
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,828/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,104
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,716
−HK$1,635/mo
Today · 4.125%
HK$63,351
baseline
▲ 0.50% · 4.625%
HK$66,690
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,702/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,031
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,991
−HK$1,992/mo
Today · 4.125%
HK$66,983
baseline
▲ 0.50% · 4.625%
HK$71,059
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,966/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,121
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$72,002
−HK$1,907/mo
Today · 4.125%
HK$73,909
baseline
▲ 0.50% · 4.625%
HK$77,805
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,818/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,039
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,560
−HK$2,561/mo
Today · 4.125%
HK$86,121
baseline
▲ 0.50% · 4.625%
HK$91,362
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,242/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,156
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,573
−HK$2,453/mo
Today · 4.125%
HK$95,026
baseline
▲ 0.50% · 4.625%
HK$100,035
+HK$5,009/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,052/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,409 · Scale 2, in force from 26 Feb 2026)