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$45,080
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,425/mo
Today · 4.125%
HK$47,907
baseline
▲ 0.50% · 4.625%
HK$50,822
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,814/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,151
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,496
−HK$1,365/mo
Today · 4.125%
HK$52,861
baseline
▲ 0.50% · 4.625%
HK$55,647
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,722/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,096
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,779
−HK$1,710/mo
Today · 4.125%
HK$57,489
baseline
▲ 0.50% · 4.625%
HK$60,987
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,978/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,182
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,796
−HK$1,637/mo
Today · 4.125%
HK$63,433
baseline
▲ 0.50% · 4.625%
HK$66,777
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,866/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,112
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,075
−HK$1,995/mo
Today · 4.125%
HK$67,070
baseline
▲ 0.50% · 4.625%
HK$71,151
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,140/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,212
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,095
−HK$1,910/mo
Today · 4.125%
HK$74,005
baseline
▲ 0.50% · 4.625%
HK$77,906
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,010/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,144
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,668
−HK$2,565/mo
Today · 4.125%
HK$86,233
baseline
▲ 0.50% · 4.625%
HK$91,480
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,466/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,272
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,693
−HK$2,456/mo
Today · 4.125%
HK$95,149
baseline
▲ 0.50% · 4.625%
HK$100,165
+HK$5,016/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,298/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,368 · Scale 2, in force from 26 Feb 2026)