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$45,131
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,535
−HK$1,426/mo
Today · 4.125%
HK$47,961
baseline
▲ 0.50% · 4.625%
HK$50,879
+HK$2,918/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,922/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,208
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,554
−HK$1,366/mo
Today · 4.125%
HK$52,920
baseline
▲ 0.50% · 4.625%
HK$55,710
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,840/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,157
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,711/mo
Today · 4.125%
HK$57,553
baseline
▲ 0.50% · 4.625%
HK$61,055
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,106/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,249
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,865
−HK$1,639/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$66,852
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,183
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,149
−HK$1,997/mo
Today · 4.125%
HK$67,146
baseline
▲ 0.50% · 4.625%
HK$71,231
+HK$4,085/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,292/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,291
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,176
−HK$1,913/mo
Today · 4.125%
HK$74,089
baseline
▲ 0.50% · 4.625%
HK$77,994
+HK$3,905/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,178/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,236
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,763
−HK$2,567/mo
Today · 4.125%
HK$86,330
baseline
▲ 0.50% · 4.625%
HK$91,583
+HK$5,253/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,660/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,374
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,798
−HK$2,459/mo
Today · 4.125%
HK$95,257
baseline
▲ 0.50% · 4.625%
HK$100,278
+HK$5,021/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,514/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,203 · Scale 2, in force from 26 Feb 2026)