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$45,002
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,402
−HK$1,422/mo
Today · 4.125%
HK$47,824
baseline
▲ 0.50% · 4.625%
HK$50,734
+HK$2,910/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,648/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,065
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,407
−HK$1,363/mo
Today · 4.125%
HK$52,770
baseline
▲ 0.50% · 4.625%
HK$55,551
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,540/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,003
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,683
−HK$1,706/mo
Today · 4.125%
HK$57,389
baseline
▲ 0.50% · 4.625%
HK$60,881
+HK$3,492/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,778/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,078
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,689
−HK$1,634/mo
Today · 4.125%
HK$63,323
baseline
▲ 0.50% · 4.625%
HK$66,661
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,646/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,003
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,963
−HK$1,991/mo
Today · 4.125%
HK$66,954
baseline
▲ 0.50% · 4.625%
HK$71,028
+HK$4,074/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,908/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,091
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,970
−HK$1,907/mo
Today · 4.125%
HK$73,877
baseline
▲ 0.50% · 4.625%
HK$77,772
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,754/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,004
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,524
−HK$2,560/mo
Today · 4.125%
HK$86,084
baseline
▲ 0.50% · 4.625%
HK$91,322
+HK$5,238/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,168/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,117
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,533
−HK$2,452/mo
Today · 4.125%
HK$94,985
baseline
▲ 0.50% · 4.625%
HK$99,992
+HK$5,007/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,970/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,089 · Scale 2, in force from 26 Feb 2026)