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$45,160
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,565
−HK$1,427/mo
Today · 4.125%
HK$47,992
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,984/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,240
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,587
−HK$1,367/mo
Today · 4.125%
HK$52,954
baseline
▲ 0.50% · 4.625%
HK$55,746
+HK$2,792/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,908/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,192
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,878
−HK$1,712/mo
Today · 4.125%
HK$57,590
baseline
▲ 0.50% · 4.625%
HK$61,094
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,180/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,288
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,905
−HK$1,640/mo
Today · 4.125%
HK$63,545
baseline
▲ 0.50% · 4.625%
HK$66,895
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,090/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,224
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,190
−HK$1,999/mo
Today · 4.125%
HK$67,189
baseline
▲ 0.50% · 4.625%
HK$71,277
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,378/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,336
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,222
−HK$1,914/mo
Today · 4.125%
HK$74,136
baseline
▲ 0.50% · 4.625%
HK$78,044
+HK$3,908/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,272/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,288
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,816
−HK$2,569/mo
Today · 4.125%
HK$86,385
baseline
▲ 0.50% · 4.625%
HK$91,642
+HK$5,257/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,770/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,432
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,857
−HK$2,461/mo
Today · 4.125%
HK$95,318
baseline
▲ 0.50% · 4.625%
HK$100,342
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,636/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,679 · Scale 2, in force from 26 Feb 2026)