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$45,079
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,424/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,150
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,365/mo
Today · 4.125%
HK$52,860
baseline
▲ 0.50% · 4.625%
HK$55,646
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,720/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,095
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,778
−HK$1,709/mo
Today · 4.125%
HK$57,487
baseline
▲ 0.50% · 4.625%
HK$60,985
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,974/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,180
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,794
−HK$1,638/mo
Today · 4.125%
HK$63,432
baseline
▲ 0.50% · 4.625%
HK$66,775
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,864/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,111
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,074
−HK$1,995/mo
Today · 4.125%
HK$67,069
baseline
▲ 0.50% · 4.625%
HK$71,150
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,138/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,210
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,094
−HK$1,910/mo
Today · 4.125%
HK$74,004
baseline
▲ 0.50% · 4.625%
HK$77,905
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,008/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,143
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,667
−HK$2,564/mo
Today · 4.125%
HK$86,231
baseline
▲ 0.50% · 4.625%
HK$91,478
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,462/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,271
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,692
−HK$2,456/mo
Today · 4.125%
HK$95,148
baseline
▲ 0.50% · 4.625%
HK$100,163
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,296/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,354 · Scale 2, in force from 26 Feb 2026)