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$45,153
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,427/mo
Today · 4.125%
HK$47,984
baseline
▲ 0.50% · 4.625%
HK$50,904
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,968/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,232
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,579
−HK$1,367/mo
Today · 4.125%
HK$52,946
baseline
▲ 0.50% · 4.625%
HK$55,737
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,892/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,183
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,869
−HK$1,712/mo
Today · 4.125%
HK$57,581
baseline
▲ 0.50% · 4.625%
HK$61,085
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,162/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,278
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,895
−HK$1,640/mo
Today · 4.125%
HK$63,535
baseline
▲ 0.50% · 4.625%
HK$66,884
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,070/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,214
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,180
−HK$1,998/mo
Today · 4.125%
HK$67,178
baseline
▲ 0.50% · 4.625%
HK$71,265
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,356/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,325
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,211
−HK$1,913/mo
Today · 4.125%
HK$74,124
baseline
▲ 0.50% · 4.625%
HK$78,031
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,248/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,275
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,803
−HK$2,569/mo
Today · 4.125%
HK$86,372
baseline
▲ 0.50% · 4.625%
HK$91,627
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,744/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,417
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,842
−HK$2,460/mo
Today · 4.125%
HK$95,302
baseline
▲ 0.50% · 4.625%
HK$100,326
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,604/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,560 · Scale 2, in force from 26 Feb 2026)