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$45,166
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,571
−HK$1,428/mo
Today · 4.125%
HK$47,999
baseline
▲ 0.50% · 4.625%
HK$50,919
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,998/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,247
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,595
−HK$1,367/mo
Today · 4.125%
HK$52,962
baseline
▲ 0.50% · 4.625%
HK$55,753
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,924/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,200
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,885
−HK$1,713/mo
Today · 4.125%
HK$57,598
baseline
▲ 0.50% · 4.625%
HK$61,103
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,196/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,296
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,914
−HK$1,640/mo
Today · 4.125%
HK$63,554
baseline
▲ 0.50% · 4.625%
HK$66,904
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,108/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,233
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,200
−HK$1,998/mo
Today · 4.125%
HK$67,198
baseline
▲ 0.50% · 4.625%
HK$71,287
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,396/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,346
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,232
−HK$1,914/mo
Today · 4.125%
HK$74,146
baseline
▲ 0.50% · 4.625%
HK$78,055
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,292/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,299
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,828
−HK$2,569/mo
Today · 4.125%
HK$86,397
baseline
▲ 0.50% · 4.625%
HK$91,655
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,794/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,445
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,870
−HK$2,461/mo
Today · 4.125%
HK$95,331
baseline
▲ 0.50% · 4.625%
HK$100,356
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,662/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,783 · Scale 2, in force from 26 Feb 2026)