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$45,045
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,446
−HK$1,423/mo
Today · 4.125%
HK$47,869
baseline
▲ 0.50% · 4.625%
HK$50,782
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,738/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,112
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,456
−HK$1,363/mo
Today · 4.125%
HK$52,819
baseline
▲ 0.50% · 4.625%
HK$55,603
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,638/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,735
−HK$1,708/mo
Today · 4.125%
HK$57,443
baseline
▲ 0.50% · 4.625%
HK$60,938
+HK$3,495/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,886/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,747
−HK$1,636/mo
Today · 4.125%
HK$63,383
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,766/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,062
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,024
−HK$1,993/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$71,095
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,156
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,038
−HK$1,909/mo
Today · 4.125%
HK$73,947
baseline
▲ 0.50% · 4.625%
HK$77,845
+HK$3,898/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,894/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,080
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,602
−HK$2,563/mo
Today · 4.125%
HK$86,165
baseline
▲ 0.50% · 4.625%
HK$91,408
+HK$5,243/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,330/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,201
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,620
−HK$2,454/mo
Today · 4.125%
HK$95,074
baseline
▲ 0.50% · 4.625%
HK$100,086
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,148/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,783 · Scale 2, in force from 26 Feb 2026)