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$45,098
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,501
−HK$1,425/mo
Today · 4.125%
HK$47,926
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,852/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,171
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,365/mo
Today · 4.125%
HK$52,882
baseline
▲ 0.50% · 4.625%
HK$55,669
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,764/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,118
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,801
−HK$1,710/mo
Today · 4.125%
HK$57,511
baseline
▲ 0.50% · 4.625%
HK$61,011
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,022/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,820
−HK$1,638/mo
Today · 4.125%
HK$63,458
baseline
▲ 0.50% · 4.625%
HK$66,803
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,916/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,137
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,101
−HK$1,996/mo
Today · 4.125%
HK$67,097
baseline
▲ 0.50% · 4.625%
HK$71,179
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,194/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,240
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,124
−HK$1,911/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$77,937
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,177
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,702
−HK$2,565/mo
Today · 4.125%
HK$86,267
baseline
▲ 0.50% · 4.625%
HK$91,516
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,534/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,308
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,730
−HK$2,457/mo
Today · 4.125%
HK$95,187
baseline
▲ 0.50% · 4.625%
HK$100,205
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,374/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,663 · Scale 2, in force from 26 Feb 2026)