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$45,087
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,424/mo
Today · 4.125%
HK$47,914
baseline
▲ 0.50% · 4.625%
HK$50,830
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,828/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,159
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,504
−HK$1,365/mo
Today · 4.125%
HK$52,869
baseline
▲ 0.50% · 4.625%
HK$55,656
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,738/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,105
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,787
−HK$1,710/mo
Today · 4.125%
HK$57,497
baseline
▲ 0.50% · 4.625%
HK$60,996
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,994/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,191
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,805
−HK$1,638/mo
Today · 4.125%
HK$63,443
baseline
▲ 0.50% · 4.625%
HK$66,787
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,886/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,122
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,085
−HK$1,995/mo
Today · 4.125%
HK$67,080
baseline
▲ 0.50% · 4.625%
HK$71,162
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,160/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,223
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,106
−HK$1,910/mo
Today · 4.125%
HK$74,016
baseline
▲ 0.50% · 4.625%
HK$77,918
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,032/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,681
−HK$2,565/mo
Today · 4.125%
HK$86,246
baseline
▲ 0.50% · 4.625%
HK$91,494
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,492/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,286
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,708
−HK$2,456/mo
Today · 4.125%
HK$95,164
baseline
▲ 0.50% · 4.625%
HK$100,180
+HK$5,016/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,328/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,481 · Scale 2, in force from 26 Feb 2026)