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$45,302
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,711
−HK$1,432/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$51,072
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,398
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,750
−HK$1,371/mo
Today · 4.125%
HK$53,121
baseline
▲ 0.50% · 4.625%
HK$55,921
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,242/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,362
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,053
−HK$1,718/mo
Today · 4.125%
HK$57,771
baseline
▲ 0.50% · 4.625%
HK$61,287
+HK$3,516/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,542/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,478
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,100
−HK$1,645/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,105
+HK$3,360/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,423
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,396
−HK$2,004/mo
Today · 4.125%
HK$67,400
baseline
▲ 0.50% · 4.625%
HK$71,501
+HK$4,101/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,800/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,557
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,450
−HK$1,919/mo
Today · 4.125%
HK$74,369
baseline
▲ 0.50% · 4.625%
HK$78,289
+HK$3,920/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,738/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,544
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,080
−HK$2,577/mo
Today · 4.125%
HK$86,657
baseline
▲ 0.50% · 4.625%
HK$91,930
+HK$5,273/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,314/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,716
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,149
−HK$2,469/mo
Today · 4.125%
HK$95,618
baseline
▲ 0.50% · 4.625%
HK$100,658
+HK$5,040/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,236/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,015 · Scale 2, in force from 26 Feb 2026)