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$45,072
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,474
−HK$1,424/mo
Today · 4.125%
HK$47,898
baseline
▲ 0.50% · 4.625%
HK$50,813
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,796/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,142
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,487
−HK$1,364/mo
Today · 4.125%
HK$52,851
baseline
▲ 0.50% · 4.625%
HK$55,637
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,702/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,086
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,769
−HK$1,709/mo
Today · 4.125%
HK$57,478
baseline
▲ 0.50% · 4.625%
HK$60,976
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,956/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,171
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,784
−HK$1,638/mo
Today · 4.125%
HK$63,422
baseline
▲ 0.50% · 4.625%
HK$66,765
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,844/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,101
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,064
−HK$1,994/mo
Today · 4.125%
HK$67,058
baseline
▲ 0.50% · 4.625%
HK$71,138
+HK$4,080/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,116/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,199
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,082
−HK$1,910/mo
Today · 4.125%
HK$73,992
baseline
▲ 0.50% · 4.625%
HK$77,892
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$147,984/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,130
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,653
−HK$2,564/mo
Today · 4.125%
HK$86,217
baseline
▲ 0.50% · 4.625%
HK$91,463
+HK$5,246/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,434/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,256
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,677
−HK$2,455/mo
Today · 4.125%
HK$95,132
baseline
▲ 0.50% · 4.625%
HK$100,147
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,264/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,234 · Scale 2, in force from 26 Feb 2026)