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$45,032
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,433
−HK$1,423/mo
Today · 4.125%
HK$47,856
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,712/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,098
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,441
−HK$1,363/mo
Today · 4.125%
HK$52,804
baseline
▲ 0.50% · 4.625%
HK$55,588
+HK$2,784/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,608/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,708/mo
Today · 4.125%
HK$57,427
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,854/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,117
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,636/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,045
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,006
−HK$1,992/mo
Today · 4.125%
HK$66,998
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$4,077/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,996/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,018
−HK$1,908/mo
Today · 4.125%
HK$73,926
baseline
▲ 0.50% · 4.625%
HK$77,823
+HK$3,897/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,852/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,058
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,579
−HK$2,562/mo
Today · 4.125%
HK$86,141
baseline
▲ 0.50% · 4.625%
HK$91,382
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,282/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,176
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,594
−HK$2,454/mo
Today · 4.125%
HK$95,048
baseline
▲ 0.50% · 4.625%
HK$100,058
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,096/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,575 · Scale 2, in force from 26 Feb 2026)