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$45,053
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,454
−HK$1,424/mo
Today · 4.125%
HK$47,878
baseline
▲ 0.50% · 4.625%
HK$50,791
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,756/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,121
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,465
−HK$1,364/mo
Today · 4.125%
HK$52,829
baseline
▲ 0.50% · 4.625%
HK$55,613
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,658/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,063
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,745
−HK$1,709/mo
Today · 4.125%
HK$57,454
baseline
▲ 0.50% · 4.625%
HK$60,950
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,908/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,145
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,758
−HK$1,636/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$66,736
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,074
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,036
−HK$1,993/mo
Today · 4.125%
HK$67,029
baseline
▲ 0.50% · 4.625%
HK$71,108
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,058/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,169
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,051
−HK$1,909/mo
Today · 4.125%
HK$73,960
baseline
▲ 0.50% · 4.625%
HK$77,859
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,920/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,095
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,618
−HK$2,562/mo
Today · 4.125%
HK$86,180
baseline
▲ 0.50% · 4.625%
HK$91,424
+HK$5,244/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,360/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,217
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,637
−HK$2,455/mo
Today · 4.125%
HK$95,092
baseline
▲ 0.50% · 4.625%
HK$100,104
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,184/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,918 · Scale 2, in force from 26 Feb 2026)