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$45,107
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,510
−HK$1,426/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,852
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,181
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,527
−HK$1,365/mo
Today · 4.125%
HK$52,892
baseline
▲ 0.50% · 4.625%
HK$55,680
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,784/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,128
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,711/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$61,023
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,217
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,832
−HK$1,639/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$66,816
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,150
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,114
−HK$1,996/mo
Today · 4.125%
HK$67,110
baseline
▲ 0.50% · 4.625%
HK$71,193
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,220/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,253
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,138
−HK$1,911/mo
Today · 4.125%
HK$74,049
baseline
▲ 0.50% · 4.625%
HK$77,952
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,098/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,192
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,718
−HK$2,566/mo
Today · 4.125%
HK$86,284
baseline
▲ 0.50% · 4.625%
HK$91,534
+HK$5,250/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,568/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,326
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,748
−HK$2,458/mo
Today · 4.125%
HK$95,206
baseline
▲ 0.50% · 4.625%
HK$100,224
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,412/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,807 · Scale 2, in force from 26 Feb 2026)