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$45,081
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,483
−HK$1,425/mo
Today · 4.125%
HK$47,908
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,915/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,816/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,152
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,497
−HK$1,365/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$55,648
+HK$2,786/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,097
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,780
−HK$1,710/mo
Today · 4.125%
HK$57,490
baseline
▲ 0.50% · 4.625%
HK$60,988
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,980/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,183
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,797
−HK$1,637/mo
Today · 4.125%
HK$63,434
baseline
▲ 0.50% · 4.625%
HK$66,778
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,868/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,114
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,077
−HK$1,994/mo
Today · 4.125%
HK$67,071
baseline
▲ 0.50% · 4.625%
HK$71,153
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,142/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,213
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,096
−HK$1,911/mo
Today · 4.125%
HK$74,007
baseline
▲ 0.50% · 4.625%
HK$77,908
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,014/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,146
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,670
−HK$2,565/mo
Today · 4.125%
HK$86,235
baseline
▲ 0.50% · 4.625%
HK$91,482
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,470/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,274
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,695
−HK$2,457/mo
Today · 4.125%
HK$95,152
baseline
▲ 0.50% · 4.625%
HK$100,167
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,304/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,384 · Scale 2, in force from 26 Feb 2026)