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$45,092
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,494
−HK$1,425/mo
Today · 4.125%
HK$47,919
baseline
▲ 0.50% · 4.625%
HK$50,835
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,838/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,164
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,509
−HK$1,365/mo
Today · 4.125%
HK$52,874
baseline
▲ 0.50% · 4.625%
HK$55,661
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,748/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,110
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,793
−HK$1,710/mo
Today · 4.125%
HK$57,503
baseline
▲ 0.50% · 4.625%
HK$61,002
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$115,006/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,197
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,811
−HK$1,638/mo
Today · 4.125%
HK$63,449
baseline
▲ 0.50% · 4.625%
HK$66,794
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,898/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,128
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,995/mo
Today · 4.125%
HK$67,087
baseline
▲ 0.50% · 4.625%
HK$71,169
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,174/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,230
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,113
−HK$1,911/mo
Today · 4.125%
HK$74,024
baseline
▲ 0.50% · 4.625%
HK$77,926
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,048/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,165
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,690
−HK$2,565/mo
Today · 4.125%
HK$86,255
baseline
▲ 0.50% · 4.625%
HK$91,503
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,510/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,295
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,717
−HK$2,457/mo
Today · 4.125%
HK$95,174
baseline
▲ 0.50% · 4.625%
HK$100,190
+HK$5,016/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,348/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,557 · Scale 2, in force from 26 Feb 2026)