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$45,060
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,461
−HK$1,425/mo
Today · 4.125%
HK$47,886
baseline
▲ 0.50% · 4.625%
HK$50,799
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,772/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,129
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,473
−HK$1,364/mo
Today · 4.125%
HK$52,837
baseline
▲ 0.50% · 4.625%
HK$55,622
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,674/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,072
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,754
−HK$1,709/mo
Today · 4.125%
HK$57,463
baseline
▲ 0.50% · 4.625%
HK$60,959
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$114,926/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,154
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,768
−HK$1,636/mo
Today · 4.125%
HK$63,404
baseline
▲ 0.50% · 4.625%
HK$66,746
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$126,808/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,084
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,046
−HK$1,994/mo
Today · 4.125%
HK$67,040
baseline
▲ 0.50% · 4.625%
HK$71,119
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,080/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,180
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,062
−HK$1,910/mo
Today · 4.125%
HK$73,972
baseline
▲ 0.50% · 4.625%
HK$77,871
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,944/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,108
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,631
−HK$2,563/mo
Today · 4.125%
HK$86,194
baseline
▲ 0.50% · 4.625%
HK$91,439
+HK$5,245/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,388/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,232
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,652
−HK$2,454/mo
Today · 4.125%
HK$95,106
baseline
▲ 0.50% · 4.625%
HK$100,120
+HK$5,014/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,212/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,033 · Scale 2, in force from 26 Feb 2026)