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$45,024
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,425
−HK$1,423/mo
Today · 4.125%
HK$47,848
baseline
▲ 0.50% · 4.625%
HK$50,759
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,696/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,089
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,432
−HK$1,363/mo
Today · 4.125%
HK$52,795
baseline
▲ 0.50% · 4.625%
HK$55,578
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,590/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,029
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,710
−HK$1,707/mo
Today · 4.125%
HK$57,417
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,834/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,107
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,719
−HK$1,635/mo
Today · 4.125%
HK$63,354
baseline
▲ 0.50% · 4.625%
HK$66,694
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,708/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,034
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,995
−HK$1,992/mo
Today · 4.125%
HK$66,987
baseline
▲ 0.50% · 4.625%
HK$71,063
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,974/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,124
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,005
−HK$1,908/mo
Today · 4.125%
HK$73,913
baseline
▲ 0.50% · 4.625%
HK$77,809
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,826/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,043
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,564
−HK$2,562/mo
Today · 4.125%
HK$86,126
baseline
▲ 0.50% · 4.625%
HK$91,366
+HK$5,240/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,252/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,160
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,578
−HK$2,453/mo
Today · 4.125%
HK$95,031
baseline
▲ 0.50% · 4.625%
HK$100,040
+HK$5,009/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,062/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,446 · Scale 2, in force from 26 Feb 2026)