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$45,017
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,417
−HK$1,423/mo
Today · 4.125%
HK$47,840
baseline
▲ 0.50% · 4.625%
HK$50,751
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,680/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,081
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,424
−HK$1,363/mo
Today · 4.125%
HK$52,787
baseline
▲ 0.50% · 4.625%
HK$55,569
+HK$2,782/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,574/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,020
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,701
−HK$1,707/mo
Today · 4.125%
HK$57,408
baseline
▲ 0.50% · 4.625%
HK$60,901
+HK$3,493/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,816/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,097
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,635/mo
Today · 4.125%
HK$63,344
baseline
▲ 0.50% · 4.625%
HK$66,683
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,688/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,024
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,984
−HK$1,992/mo
Today · 4.125%
HK$66,976
baseline
▲ 0.50% · 4.625%
HK$71,051
+HK$4,075/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,952/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,113
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$1,907/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$77,797
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,030
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,551
−HK$2,561/mo
Today · 4.125%
HK$86,112
baseline
▲ 0.50% · 4.625%
HK$91,351
+HK$5,239/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,224/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,146
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,563
−HK$2,453/mo
Today · 4.125%
HK$95,016
baseline
▲ 0.50% · 4.625%
HK$100,024
+HK$5,008/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,032/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,327 · Scale 2, in force from 26 Feb 2026)