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$45,113
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,425/mo
Today · 4.125%
HK$47,942
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,918/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,884/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,188
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,366/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$55,688
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,136
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,711/mo
Today · 4.125%
HK$57,531
baseline
▲ 0.50% · 4.625%
HK$61,032
+HK$3,501/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,062/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,226
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,841
−HK$1,639/mo
Today · 4.125%
HK$63,480
baseline
▲ 0.50% · 4.625%
HK$66,826
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,960/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,159
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,123
−HK$1,996/mo
Today · 4.125%
HK$67,119
baseline
▲ 0.50% · 4.625%
HK$71,203
+HK$4,084/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,238/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,264
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,148
−HK$1,912/mo
Today · 4.125%
HK$74,060
baseline
▲ 0.50% · 4.625%
HK$77,963
+HK$3,903/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,120/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,204
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,730
−HK$2,566/mo
Today · 4.125%
HK$86,296
baseline
▲ 0.50% · 4.625%
HK$91,547
+HK$5,251/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,592/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,339
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,762
−HK$2,458/mo
Today · 4.125%
HK$95,220
baseline
▲ 0.50% · 4.625%
HK$100,239
+HK$5,019/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,440/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,914 · Scale 2, in force from 26 Feb 2026)