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$45,172
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,577
−HK$1,428/mo
Today · 4.125%
HK$48,005
baseline
▲ 0.50% · 4.625%
HK$50,926
+HK$2,921/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,010/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,254
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,368/mo
Today · 4.125%
HK$52,969
baseline
▲ 0.50% · 4.625%
HK$55,761
+HK$2,792/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,938/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,207
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,893
−HK$1,713/mo
Today · 4.125%
HK$57,606
baseline
▲ 0.50% · 4.625%
HK$61,111
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,212/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,304
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,922
−HK$1,640/mo
Today · 4.125%
HK$63,562
baseline
▲ 0.50% · 4.625%
HK$66,913
+HK$3,351/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,124/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,241
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,208
−HK$1,999/mo
Today · 4.125%
HK$67,207
baseline
▲ 0.50% · 4.625%
HK$71,296
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,414/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,355
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,242
−HK$1,914/mo
Today · 4.125%
HK$74,156
baseline
▲ 0.50% · 4.625%
HK$78,065
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,312/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,310
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,839
−HK$2,570/mo
Today · 4.125%
HK$86,409
baseline
▲ 0.50% · 4.625%
HK$91,666
+HK$5,257/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,818/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,456
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,882
−HK$2,462/mo
Today · 4.125%
HK$95,344
baseline
▲ 0.50% · 4.625%
HK$100,369
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,688/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,880 · Scale 2, in force from 26 Feb 2026)