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$45,144
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,426/mo
Today · 4.125%
HK$47,975
baseline
▲ 0.50% · 4.625%
HK$50,894
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,950/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,366/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$55,726
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,173
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,858
−HK$1,712/mo
Today · 4.125%
HK$57,570
baseline
▲ 0.50% · 4.625%
HK$61,073
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,140/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,267
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,884
−HK$1,639/mo
Today · 4.125%
HK$63,523
baseline
▲ 0.50% · 4.625%
HK$66,872
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,046/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,202
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,168
−HK$1,997/mo
Today · 4.125%
HK$67,165
baseline
▲ 0.50% · 4.625%
HK$71,252
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,330/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,312
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,197
−HK$1,913/mo
Today · 4.125%
HK$74,110
baseline
▲ 0.50% · 4.625%
HK$78,017
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,220/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,260
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,788
−HK$2,568/mo
Today · 4.125%
HK$86,356
baseline
▲ 0.50% · 4.625%
HK$91,610
+HK$5,254/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,712/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,401
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,825
−HK$2,460/mo
Today · 4.125%
HK$95,285
baseline
▲ 0.50% · 4.625%
HK$100,307
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,570/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,423 · Scale 2, in force from 26 Feb 2026)