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$45,214
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,621
−HK$1,429/mo
Today · 4.125%
HK$48,050
baseline
▲ 0.50% · 4.625%
HK$50,973
+HK$2,923/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,100/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,300
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,649
−HK$1,369/mo
Today · 4.125%
HK$53,018
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$2,795/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,036/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,945
−HK$1,715/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$61,168
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,361
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,979
−HK$1,643/mo
Today · 4.125%
HK$63,622
baseline
▲ 0.50% · 4.625%
HK$66,975
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,244/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,300
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$2,000/mo
Today · 4.125%
HK$67,269
baseline
▲ 0.50% · 4.625%
HK$71,363
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,538/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,421
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,309
−HK$1,916/mo
Today · 4.125%
HK$74,225
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,450/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,386
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,917
−HK$2,572/mo
Today · 4.125%
HK$86,489
baseline
▲ 0.50% · 4.625%
HK$91,752
+HK$5,263/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$172,978/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,541
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,969
−HK$2,463/mo
Today · 4.125%
HK$95,432
baseline
▲ 0.50% · 4.625%
HK$100,463
+HK$5,031/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,864/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,573 · Scale 2, in force from 26 Feb 2026)