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$45,095
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,497
−HK$1,426/mo
Today · 4.125%
HK$47,923
baseline
▲ 0.50% · 4.625%
HK$50,839
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,846/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,167
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,513
−HK$1,365/mo
Today · 4.125%
HK$52,878
baseline
▲ 0.50% · 4.625%
HK$55,665
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,756/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,114
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,797
−HK$1,710/mo
Today · 4.125%
HK$57,507
baseline
▲ 0.50% · 4.625%
HK$61,006
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,014/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,201
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,816
−HK$1,637/mo
Today · 4.125%
HK$63,453
baseline
▲ 0.50% · 4.625%
HK$66,798
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,906/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,133
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,096
−HK$1,996/mo
Today · 4.125%
HK$67,092
baseline
▲ 0.50% · 4.625%
HK$71,174
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,184/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,234
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$1,911/mo
Today · 4.125%
HK$74,029
baseline
▲ 0.50% · 4.625%
HK$77,931
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,058/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,171
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,695
−HK$2,566/mo
Today · 4.125%
HK$86,261
baseline
▲ 0.50% · 4.625%
HK$91,509
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,522/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,301
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,723
−HK$2,457/mo
Today · 4.125%
HK$95,180
baseline
▲ 0.50% · 4.625%
HK$100,197
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,360/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,607 · Scale 2, in force from 26 Feb 2026)