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$45,096
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,425/mo
Today · 4.125%
HK$47,924
baseline
▲ 0.50% · 4.625%
HK$50,840
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,848/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,169
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,514
−HK$1,365/mo
Today · 4.125%
HK$52,879
baseline
▲ 0.50% · 4.625%
HK$55,667
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,758/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,115
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,798
−HK$1,711/mo
Today · 4.125%
HK$57,509
baseline
▲ 0.50% · 4.625%
HK$61,008
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,018/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,202
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,817
−HK$1,638/mo
Today · 4.125%
HK$63,455
baseline
▲ 0.50% · 4.625%
HK$66,800
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,910/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,134
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,098
−HK$1,995/mo
Today · 4.125%
HK$67,093
baseline
▲ 0.50% · 4.625%
HK$71,176
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,186/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,236
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,120
−HK$1,911/mo
Today · 4.125%
HK$74,031
baseline
▲ 0.50% · 4.625%
HK$77,933
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,062/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,173
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,698
−HK$2,565/mo
Today · 4.125%
HK$86,263
baseline
▲ 0.50% · 4.625%
HK$91,512
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,526/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,304
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,726
−HK$2,457/mo
Today · 4.125%
HK$95,183
baseline
▲ 0.50% · 4.625%
HK$100,200
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,366/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,626 · Scale 2, in force from 26 Feb 2026)