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$45,026
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,427
−HK$1,423/mo
Today · 4.125%
HK$47,850
baseline
▲ 0.50% · 4.625%
HK$50,761
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,700/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,091
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,434
−HK$1,363/mo
Today · 4.125%
HK$52,797
baseline
▲ 0.50% · 4.625%
HK$55,580
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,594/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,031
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,712
−HK$1,707/mo
Today · 4.125%
HK$57,419
baseline
▲ 0.50% · 4.625%
HK$60,913
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,838/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,109
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,636/mo
Today · 4.125%
HK$63,357
baseline
▲ 0.50% · 4.625%
HK$66,696
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,714/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,036
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,997
−HK$1,992/mo
Today · 4.125%
HK$66,989
baseline
▲ 0.50% · 4.625%
HK$71,066
+HK$4,077/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,978/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,127
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,008
−HK$1,908/mo
Today · 4.125%
HK$73,916
baseline
▲ 0.50% · 4.625%
HK$77,812
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,832/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,047
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,568
−HK$2,561/mo
Today · 4.125%
HK$86,129
baseline
▲ 0.50% · 4.625%
HK$91,370
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,258/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,164
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,582
−HK$2,453/mo
Today · 4.125%
HK$95,035
baseline
▲ 0.50% · 4.625%
HK$100,045
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,070/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,477 · Scale 2, in force from 26 Feb 2026)