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$45,004
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,404
−HK$1,422/mo
Today · 4.125%
HK$47,826
baseline
▲ 0.50% · 4.625%
HK$50,736
+HK$2,910/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,652/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,067
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,409
−HK$1,363/mo
Today · 4.125%
HK$52,772
baseline
▲ 0.50% · 4.625%
HK$55,553
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,544/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,685
−HK$1,707/mo
Today · 4.125%
HK$57,392
baseline
▲ 0.50% · 4.625%
HK$60,884
+HK$3,492/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,784/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,080
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,691
−HK$1,635/mo
Today · 4.125%
HK$63,326
baseline
▲ 0.50% · 4.625%
HK$66,664
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,652/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,006
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,966
−HK$1,991/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$71,031
+HK$4,074/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,914/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,973
−HK$1,907/mo
Today · 4.125%
HK$73,880
baseline
▲ 0.50% · 4.625%
HK$77,775
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,760/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,008
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,527
−HK$2,560/mo
Today · 4.125%
HK$86,087
baseline
▲ 0.50% · 4.625%
HK$91,326
+HK$5,239/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,174/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,120
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,537
−HK$2,452/mo
Today · 4.125%
HK$94,989
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,007/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,978/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,118 · Scale 2, in force from 26 Feb 2026)