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$45,175
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,580
−HK$1,428/mo
Today · 4.125%
HK$48,008
baseline
▲ 0.50% · 4.625%
HK$50,929
+HK$2,921/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,016/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,257
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,605
−HK$1,367/mo
Today · 4.125%
HK$52,972
baseline
▲ 0.50% · 4.625%
HK$55,764
+HK$2,792/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,944/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,210
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,714/mo
Today · 4.125%
HK$57,610
baseline
▲ 0.50% · 4.625%
HK$61,115
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,220/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,308
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,926
−HK$1,640/mo
Today · 4.125%
HK$63,566
baseline
▲ 0.50% · 4.625%
HK$66,917
+HK$3,351/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,132/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,245
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,212
−HK$1,999/mo
Today · 4.125%
HK$67,211
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$4,090/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,422/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,247
−HK$1,914/mo
Today · 4.125%
HK$74,161
baseline
▲ 0.50% · 4.625%
HK$78,070
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,322/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,315
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,844
−HK$2,570/mo
Today · 4.125%
HK$86,414
baseline
▲ 0.50% · 4.625%
HK$91,672
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,828/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,462
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,888
−HK$2,462/mo
Today · 4.125%
HK$95,350
baseline
▲ 0.50% · 4.625%
HK$100,376
+HK$5,026/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,700/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,928 · Scale 2, in force from 26 Feb 2026)