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$45,107
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,510
−HK$1,426/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,182
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,527
−HK$1,366/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$55,681
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,129
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,710/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$61,023
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,218
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,833
−HK$1,638/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$66,817
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,150
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,115
−HK$1,995/mo
Today · 4.125%
HK$67,110
baseline
▲ 0.50% · 4.625%
HK$71,194
+HK$4,084/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,220/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,254
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,138
−HK$1,912/mo
Today · 4.125%
HK$74,050
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,100/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,193
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,719
−HK$2,566/mo
Today · 4.125%
HK$86,285
baseline
▲ 0.50% · 4.625%
HK$91,535
+HK$5,250/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,570/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,327
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,749
−HK$2,458/mo
Today · 4.125%
HK$95,207
baseline
▲ 0.50% · 4.625%
HK$100,225
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,414/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,815 · Scale 2, in force from 26 Feb 2026)