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$45,075
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,477
−HK$1,424/mo
Today · 4.125%
HK$47,901
baseline
▲ 0.50% · 4.625%
HK$50,816
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,802/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,145
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,490
−HK$1,364/mo
Today · 4.125%
HK$52,854
baseline
▲ 0.50% · 4.625%
HK$55,640
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,708/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,090
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,772
−HK$1,710/mo
Today · 4.125%
HK$57,482
baseline
▲ 0.50% · 4.625%
HK$60,979
+HK$3,497/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,964/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,174
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,788
−HK$1,637/mo
Today · 4.125%
HK$63,425
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,850/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,105
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,068
−HK$1,994/mo
Today · 4.125%
HK$67,062
baseline
▲ 0.50% · 4.625%
HK$71,142
+HK$4,080/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,124/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,203
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,086
−HK$1,910/mo
Today · 4.125%
HK$73,996
baseline
▲ 0.50% · 4.625%
HK$77,897
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$147,992/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,135
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,658
−HK$2,564/mo
Today · 4.125%
HK$86,222
baseline
▲ 0.50% · 4.625%
HK$91,469
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,444/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,261
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,682
−HK$2,456/mo
Today · 4.125%
HK$95,138
baseline
▲ 0.50% · 4.625%
HK$100,153
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,276/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,278 · Scale 2, in force from 26 Feb 2026)