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$45,018
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,419
−HK$1,423/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,753
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,083
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,426
−HK$1,362/mo
Today · 4.125%
HK$52,788
baseline
▲ 0.50% · 4.625%
HK$55,571
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,576/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,022
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,703
−HK$1,707/mo
Today · 4.125%
HK$57,410
baseline
▲ 0.50% · 4.625%
HK$60,903
+HK$3,493/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,820/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,099
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,711
−HK$1,635/mo
Today · 4.125%
HK$63,346
baseline
▲ 0.50% · 4.625%
HK$66,685
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,692/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,026
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,986
−HK$1,992/mo
Today · 4.125%
HK$66,978
baseline
▲ 0.50% · 4.625%
HK$71,054
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,956/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,116
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,996
−HK$1,908/mo
Today · 4.125%
HK$73,904
baseline
▲ 0.50% · 4.625%
HK$77,799
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,808/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,033
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,554
−HK$2,561/mo
Today · 4.125%
HK$86,115
baseline
▲ 0.50% · 4.625%
HK$91,355
+HK$5,240/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,230/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,149
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,566
−HK$2,453/mo
Today · 4.125%
HK$95,019
baseline
▲ 0.50% · 4.625%
HK$100,028
+HK$5,009/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,038/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,353 · Scale 2, in force from 26 Feb 2026)