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$45,046
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,447
−HK$1,424/mo
Today · 4.125%
HK$47,871
baseline
▲ 0.50% · 4.625%
HK$50,784
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,742/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,113
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,457
−HK$1,364/mo
Today · 4.125%
HK$52,821
baseline
▲ 0.50% · 4.625%
HK$55,605
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,642/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,055
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,737
−HK$1,708/mo
Today · 4.125%
HK$57,445
baseline
▲ 0.50% · 4.625%
HK$60,940
+HK$3,495/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,890/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,136
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,749
−HK$1,636/mo
Today · 4.125%
HK$63,385
baseline
▲ 0.50% · 4.625%
HK$66,726
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,770/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,064
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,993/mo
Today · 4.125%
HK$67,019
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,038/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,159
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,040
−HK$1,909/mo
Today · 4.125%
HK$73,949
baseline
▲ 0.50% · 4.625%
HK$77,847
+HK$3,898/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,898/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,083
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,605
−HK$2,562/mo
Today · 4.125%
HK$86,167
baseline
▲ 0.50% · 4.625%
HK$91,411
+HK$5,244/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,334/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,204
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,623
−HK$2,454/mo
Today · 4.125%
HK$95,077
baseline
▲ 0.50% · 4.625%
HK$100,089
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,154/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,806 · Scale 2, in force from 26 Feb 2026)