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$45,023
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,423
−HK$1,423/mo
Today · 4.125%
HK$47,846
baseline
▲ 0.50% · 4.625%
HK$50,758
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,692/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,088
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,431
−HK$1,363/mo
Today · 4.125%
HK$52,794
baseline
▲ 0.50% · 4.625%
HK$55,576
+HK$2,782/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,588/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,027
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,707/mo
Today · 4.125%
HK$57,415
baseline
▲ 0.50% · 4.625%
HK$60,909
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,830/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,105
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,717
−HK$1,635/mo
Today · 4.125%
HK$63,352
baseline
▲ 0.50% · 4.625%
HK$66,692
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,704/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,032
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,993
−HK$1,992/mo
Today · 4.125%
HK$66,985
baseline
▲ 0.50% · 4.625%
HK$71,061
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,970/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,123
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$72,003
−HK$1,908/mo
Today · 4.125%
HK$73,911
baseline
▲ 0.50% · 4.625%
HK$77,807
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,822/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,041
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,562
−HK$2,561/mo
Today · 4.125%
HK$86,123
baseline
▲ 0.50% · 4.625%
HK$91,364
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,246/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,158
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,576
−HK$2,452/mo
Today · 4.125%
HK$95,028
baseline
▲ 0.50% · 4.625%
HK$100,038
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,056/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,425 · Scale 2, in force from 26 Feb 2026)