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$45,059
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,424/mo
Today · 4.125%
HK$47,884
baseline
▲ 0.50% · 4.625%
HK$50,798
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,768/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,127
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,364/mo
Today · 4.125%
HK$52,836
baseline
▲ 0.50% · 4.625%
HK$55,621
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,672/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,070
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,752
−HK$1,709/mo
Today · 4.125%
HK$57,461
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$114,922/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,153
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,766
−HK$1,637/mo
Today · 4.125%
HK$63,403
baseline
▲ 0.50% · 4.625%
HK$66,745
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$126,806/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,082
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,044
−HK$1,994/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$71,117
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,178
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,060
−HK$1,910/mo
Today · 4.125%
HK$73,970
baseline
▲ 0.50% · 4.625%
HK$77,869
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,940/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,106
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,628
−HK$2,564/mo
Today · 4.125%
HK$86,192
baseline
▲ 0.50% · 4.625%
HK$91,436
+HK$5,244/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,384/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,229
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,649
−HK$2,455/mo
Today · 4.125%
HK$95,104
baseline
▲ 0.50% · 4.625%
HK$100,117
+HK$5,013/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,208/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,013 · Scale 2, in force from 26 Feb 2026)