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$45,051
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,423/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,789
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,119
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,364/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$55,611
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,061
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,743
−HK$1,709/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,947
+HK$3,495/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,143
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,756
−HK$1,636/mo
Today · 4.125%
HK$63,392
baseline
▲ 0.50% · 4.625%
HK$66,734
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,784/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,072
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,034
−HK$1,993/mo
Today · 4.125%
HK$67,027
baseline
▲ 0.50% · 4.625%
HK$71,105
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,054/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,167
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,048
−HK$1,909/mo
Today · 4.125%
HK$73,957
baseline
▲ 0.50% · 4.625%
HK$77,856
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,914/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,092
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,615
−HK$2,562/mo
Today · 4.125%
HK$86,177
baseline
▲ 0.50% · 4.625%
HK$91,421
+HK$5,244/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,354/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,214
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,634
−HK$2,454/mo
Today · 4.125%
HK$95,088
baseline
▲ 0.50% · 4.625%
HK$100,100
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,176/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,891 · Scale 2, in force from 26 Feb 2026)