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$45,104
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,507
−HK$1,426/mo
Today · 4.125%
HK$47,933
baseline
▲ 0.50% · 4.625%
HK$50,849
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,866/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,178
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,524
−HK$1,365/mo
Today · 4.125%
HK$52,889
baseline
▲ 0.50% · 4.625%
HK$55,677
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,778/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,125
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,809
−HK$1,710/mo
Today · 4.125%
HK$57,519
baseline
▲ 0.50% · 4.625%
HK$61,019
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,038/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,214
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,829
−HK$1,638/mo
Today · 4.125%
HK$63,467
baseline
▲ 0.50% · 4.625%
HK$66,812
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,934/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,146
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,110
−HK$1,996/mo
Today · 4.125%
HK$67,106
baseline
▲ 0.50% · 4.625%
HK$71,189
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,212/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,250
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,134
−HK$1,911/mo
Today · 4.125%
HK$74,045
baseline
▲ 0.50% · 4.625%
HK$77,948
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,090/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,188
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,713
−HK$2,566/mo
Today · 4.125%
HK$86,279
baseline
▲ 0.50% · 4.625%
HK$91,529
+HK$5,250/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,558/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,321
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,743
−HK$2,458/mo
Today · 4.125%
HK$95,201
baseline
▲ 0.50% · 4.625%
HK$100,219
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,402/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,766 · Scale 2, in force from 26 Feb 2026)