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$45,007
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,407
−HK$1,422/mo
Today · 4.125%
HK$47,829
baseline
▲ 0.50% · 4.625%
HK$50,739
+HK$2,910/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,658/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,070
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,412
−HK$1,363/mo
Today · 4.125%
HK$52,775
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$2,782/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,550/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,008
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,688
−HK$1,707/mo
Today · 4.125%
HK$57,395
baseline
▲ 0.50% · 4.625%
HK$60,887
+HK$3,492/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$114,790/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,084
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,695
−HK$1,635/mo
Today · 4.125%
HK$63,330
baseline
▲ 0.50% · 4.625%
HK$66,668
+HK$3,338/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$126,660/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,010
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,970
−HK$1,991/mo
Today · 4.125%
HK$66,961
baseline
▲ 0.50% · 4.625%
HK$71,035
+HK$4,074/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,922/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,098
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,977
−HK$1,908/mo
Today · 4.125%
HK$73,885
baseline
▲ 0.50% · 4.625%
HK$77,779
+HK$3,894/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,770/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,012
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,532
−HK$2,560/mo
Today · 4.125%
HK$86,092
baseline
▲ 0.50% · 4.625%
HK$91,331
+HK$5,239/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,184/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,125
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,542
−HK$2,453/mo
Today · 4.125%
HK$94,995
baseline
▲ 0.50% · 4.625%
HK$100,002
+HK$5,007/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,990/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,161 · Scale 2, in force from 26 Feb 2026)