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$45,015
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,415
−HK$1,423/mo
Today · 4.125%
HK$47,838
baseline
▲ 0.50% · 4.625%
HK$50,749
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,676/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,079
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,422
−HK$1,362/mo
Today · 4.125%
HK$52,784
baseline
▲ 0.50% · 4.625%
HK$55,567
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,568/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,018
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,698
−HK$1,707/mo
Today · 4.125%
HK$57,405
baseline
▲ 0.50% · 4.625%
HK$60,898
+HK$3,493/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$114,810/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,094
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,706
−HK$1,635/mo
Today · 4.125%
HK$63,341
baseline
▲ 0.50% · 4.625%
HK$66,680
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$126,682/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,021
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,981
−HK$1,992/mo
Today · 4.125%
HK$66,973
baseline
▲ 0.50% · 4.625%
HK$71,048
+HK$4,075/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,946/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,110
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,990
−HK$1,908/mo
Today · 4.125%
HK$73,898
baseline
▲ 0.50% · 4.625%
HK$77,793
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,796/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,027
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,547
−HK$2,561/mo
Today · 4.125%
HK$86,108
baseline
▲ 0.50% · 4.625%
HK$91,347
+HK$5,239/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,216/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,142
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,559
−HK$2,453/mo
Today · 4.125%
HK$95,012
baseline
▲ 0.50% · 4.625%
HK$100,020
+HK$5,008/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,024/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,295 · Scale 2, in force from 26 Feb 2026)