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$45,147
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,426/mo
Today · 4.125%
HK$47,978
baseline
▲ 0.50% · 4.625%
HK$50,898
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,956/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,226
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,573
−HK$1,367/mo
Today · 4.125%
HK$52,940
baseline
▲ 0.50% · 4.625%
HK$55,730
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,880/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,177
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,862
−HK$1,712/mo
Today · 4.125%
HK$57,574
baseline
▲ 0.50% · 4.625%
HK$61,077
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,148/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,271
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,888
−HK$1,639/mo
Today · 4.125%
HK$63,527
baseline
▲ 0.50% · 4.625%
HK$66,876
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,054/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,206
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,172
−HK$1,998/mo
Today · 4.125%
HK$67,170
baseline
▲ 0.50% · 4.625%
HK$71,257
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,340/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,316
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,202
−HK$1,913/mo
Today · 4.125%
HK$74,115
baseline
▲ 0.50% · 4.625%
HK$78,022
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,230/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,265
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,793
−HK$2,568/mo
Today · 4.125%
HK$86,361
baseline
▲ 0.50% · 4.625%
HK$91,616
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,722/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,407
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,831
−HK$2,460/mo
Today · 4.125%
HK$95,291
baseline
▲ 0.50% · 4.625%
HK$100,314
+HK$5,023/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,582/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,472 · Scale 2, in force from 26 Feb 2026)