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$45,071
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,473
−HK$1,424/mo
Today · 4.125%
HK$47,897
baseline
▲ 0.50% · 4.625%
HK$50,812
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,794/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,141
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,486
−HK$1,364/mo
Today · 4.125%
HK$52,850
baseline
▲ 0.50% · 4.625%
HK$55,636
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,700/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,085
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,768
−HK$1,709/mo
Today · 4.125%
HK$57,477
baseline
▲ 0.50% · 4.625%
HK$60,974
+HK$3,497/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,954/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,169
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,783
−HK$1,637/mo
Today · 4.125%
HK$63,420
baseline
▲ 0.50% · 4.625%
HK$66,763
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,840/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,099
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,062
−HK$1,994/mo
Today · 4.125%
HK$67,056
baseline
▲ 0.50% · 4.625%
HK$71,137
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,112/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,197
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,080
−HK$1,910/mo
Today · 4.125%
HK$73,990
baseline
▲ 0.50% · 4.625%
HK$77,890
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$147,980/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,128
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,651
−HK$2,564/mo
Today · 4.125%
HK$86,215
baseline
▲ 0.50% · 4.625%
HK$91,461
+HK$5,246/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,430/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,254
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,674
−HK$2,456/mo
Today · 4.125%
HK$95,130
baseline
▲ 0.50% · 4.625%
HK$100,144
+HK$5,014/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,260/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,217 · Scale 2, in force from 26 Feb 2026)