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$45,027
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,427
−HK$1,423/mo
Today · 4.125%
HK$47,850
baseline
▲ 0.50% · 4.625%
HK$50,762
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,700/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,092
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,435
−HK$1,363/mo
Today · 4.125%
HK$52,798
baseline
▲ 0.50% · 4.625%
HK$55,581
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,596/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,032
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,713
−HK$1,707/mo
Today · 4.125%
HK$57,420
baseline
▲ 0.50% · 4.625%
HK$60,914
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,840/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,110
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,722
−HK$1,635/mo
Today · 4.125%
HK$63,357
baseline
▲ 0.50% · 4.625%
HK$66,697
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,714/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,037
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,998
−HK$1,992/mo
Today · 4.125%
HK$66,990
baseline
▲ 0.50% · 4.625%
HK$71,066
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,980/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,128
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,009
−HK$1,908/mo
Today · 4.125%
HK$73,917
baseline
▲ 0.50% · 4.625%
HK$77,813
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,834/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,048
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,569
−HK$2,561/mo
Today · 4.125%
HK$86,130
baseline
▲ 0.50% · 4.625%
HK$91,371
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,260/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,165
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,583
−HK$2,453/mo
Today · 4.125%
HK$95,036
baseline
▲ 0.50% · 4.625%
HK$100,046
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,072/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,485 · Scale 2, in force from 26 Feb 2026)