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$45,028
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,428
−HK$1,423/mo
Today · 4.125%
HK$47,851
baseline
▲ 0.50% · 4.625%
HK$50,763
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,702/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,093
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,436
−HK$1,363/mo
Today · 4.125%
HK$52,799
baseline
▲ 0.50% · 4.625%
HK$55,582
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,598/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,033
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,714
−HK$1,708/mo
Today · 4.125%
HK$57,422
baseline
▲ 0.50% · 4.625%
HK$60,916
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,844/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,111
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,724
−HK$1,635/mo
Today · 4.125%
HK$63,359
baseline
▲ 0.50% · 4.625%
HK$66,699
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,718/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,039
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,000
−HK$1,992/mo
Today · 4.125%
HK$66,992
baseline
▲ 0.50% · 4.625%
HK$71,068
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,984/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,130
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,011
−HK$1,908/mo
Today · 4.125%
HK$73,919
baseline
▲ 0.50% · 4.625%
HK$77,815
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,838/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,050
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,571
−HK$2,561/mo
Today · 4.125%
HK$86,132
baseline
▲ 0.50% · 4.625%
HK$91,373
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,264/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,167
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,585
−HK$2,454/mo
Today · 4.125%
HK$95,039
baseline
▲ 0.50% · 4.625%
HK$100,048
+HK$5,009/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,078/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,504 · Scale 2, in force from 26 Feb 2026)