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$45,038
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,438
−HK$1,424/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,912/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,104
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,448
−HK$1,363/mo
Today · 4.125%
HK$52,811
baseline
▲ 0.50% · 4.625%
HK$55,594
+HK$2,783/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,622/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,045
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,726
−HK$1,708/mo
Today · 4.125%
HK$57,434
baseline
▲ 0.50% · 4.625%
HK$60,929
+HK$3,495/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,868/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,125
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,737
−HK$1,636/mo
Today · 4.125%
HK$63,373
baseline
▲ 0.50% · 4.625%
HK$66,713
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,746/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,053
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,014
−HK$1,992/mo
Today · 4.125%
HK$67,006
baseline
▲ 0.50% · 4.625%
HK$71,084
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,012/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,145
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,027
−HK$1,908/mo
Today · 4.125%
HK$73,935
baseline
▲ 0.50% · 4.625%
HK$77,832
+HK$3,897/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,870/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,068
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,589
−HK$2,562/mo
Today · 4.125%
HK$86,151
baseline
▲ 0.50% · 4.625%
HK$91,393
+HK$5,242/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,302/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,187
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,606
−HK$2,453/mo
Today · 4.125%
HK$95,059
baseline
▲ 0.50% · 4.625%
HK$100,070
+HK$5,011/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,118/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,666 · Scale 2, in force from 26 Feb 2026)