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$45,177
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,428/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,921/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,258
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,368/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$2,792/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,212
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,898
−HK$1,713/mo
Today · 4.125%
HK$57,611
baseline
▲ 0.50% · 4.625%
HK$61,117
+HK$3,506/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,222/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,310
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,641/mo
Today · 4.125%
HK$63,569
baseline
▲ 0.50% · 4.625%
HK$66,919
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,138/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,247
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,215
−HK$1,998/mo
Today · 4.125%
HK$67,213
baseline
▲ 0.50% · 4.625%
HK$71,303
+HK$4,090/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,426/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,362
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,249
−HK$1,914/mo
Today · 4.125%
HK$74,163
baseline
▲ 0.50% · 4.625%
HK$78,073
+HK$3,910/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,326/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,318
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,847
−HK$2,570/mo
Today · 4.125%
HK$86,417
baseline
▲ 0.50% · 4.625%
HK$91,675
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,834/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,465
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,891
−HK$2,462/mo
Today · 4.125%
HK$95,353
baseline
▲ 0.50% · 4.625%
HK$100,379
+HK$5,026/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,706/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,953 · Scale 2, in force from 26 Feb 2026)