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$45,105
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,508
−HK$1,425/mo
Today · 4.125%
HK$47,933
baseline
▲ 0.50% · 4.625%
HK$50,850
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,866/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,179
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,524
−HK$1,366/mo
Today · 4.125%
HK$52,890
baseline
▲ 0.50% · 4.625%
HK$55,677
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,780/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,126
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,809
−HK$1,711/mo
Today · 4.125%
HK$57,520
baseline
▲ 0.50% · 4.625%
HK$61,020
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,040/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,214
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,829
−HK$1,639/mo
Today · 4.125%
HK$63,468
baseline
▲ 0.50% · 4.625%
HK$66,813
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,936/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,147
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,111
−HK$1,996/mo
Today · 4.125%
HK$67,107
baseline
▲ 0.50% · 4.625%
HK$71,190
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,214/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,250
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,134
−HK$1,911/mo
Today · 4.125%
HK$74,045
baseline
▲ 0.50% · 4.625%
HK$77,948
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,090/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,189
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,714
−HK$2,566/mo
Today · 4.125%
HK$86,280
baseline
▲ 0.50% · 4.625%
HK$91,530
+HK$5,250/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,560/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,321
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,744
−HK$2,457/mo
Today · 4.125%
HK$95,201
baseline
▲ 0.50% · 4.625%
HK$100,219
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,402/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,772 · Scale 2, in force from 26 Feb 2026)