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$45,155
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,559
−HK$1,427/mo
Today · 4.125%
HK$47,986
baseline
▲ 0.50% · 4.625%
HK$50,906
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,972/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,234
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,581
−HK$1,367/mo
Today · 4.125%
HK$52,948
baseline
▲ 0.50% · 4.625%
HK$55,739
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,896/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,186
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,871
−HK$1,713/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$61,087
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,640/mo
Today · 4.125%
HK$63,538
baseline
▲ 0.50% · 4.625%
HK$66,887
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,076/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,217
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,183
−HK$1,998/mo
Today · 4.125%
HK$67,181
baseline
▲ 0.50% · 4.625%
HK$71,269
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,362/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,328
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,214
−HK$1,913/mo
Today · 4.125%
HK$74,127
baseline
▲ 0.50% · 4.625%
HK$78,035
+HK$3,908/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,254/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,278
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,807
−HK$2,568/mo
Today · 4.125%
HK$86,375
baseline
▲ 0.50% · 4.625%
HK$91,631
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,750/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,421
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,847
−HK$2,460/mo
Today · 4.125%
HK$95,307
baseline
▲ 0.50% · 4.625%
HK$100,330
+HK$5,023/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,614/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,593 · Scale 2, in force from 26 Feb 2026)