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$45,191
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,597
−HK$1,428/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,274
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,623
−HK$1,368/mo
Today · 4.125%
HK$52,991
baseline
▲ 0.50% · 4.625%
HK$55,784
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,982/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,229
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,916
−HK$1,714/mo
Today · 4.125%
HK$57,630
baseline
▲ 0.50% · 4.625%
HK$61,136
+HK$3,506/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,260/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,329
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,947
−HK$1,642/mo
Today · 4.125%
HK$63,589
baseline
▲ 0.50% · 4.625%
HK$66,941
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,178/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,267
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,235
−HK$2,000/mo
Today · 4.125%
HK$67,235
baseline
▲ 0.50% · 4.625%
HK$71,326
+HK$4,091/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$134,470/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,384
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,272
−HK$1,915/mo
Today · 4.125%
HK$74,187
baseline
▲ 0.50% · 4.625%
HK$78,097
+HK$3,910/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$148,374/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,344
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,874
−HK$2,571/mo
Today · 4.125%
HK$86,445
baseline
▲ 0.50% · 4.625%
HK$91,705
+HK$5,260/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,890/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,494
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,921
−HK$2,462/mo
Today · 4.125%
HK$95,383
baseline
▲ 0.50% · 4.625%
HK$100,411
+HK$5,028/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,766/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,189 · Scale 2, in force from 26 Feb 2026)