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$45,174
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,428/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,921/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,256
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,367/mo
Today · 4.125%
HK$52,971
baseline
▲ 0.50% · 4.625%
HK$55,763
+HK$2,792/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,942/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,209
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,895
−HK$1,713/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$61,114
+HK$3,506/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,307
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,641/mo
Today · 4.125%
HK$63,565
baseline
▲ 0.50% · 4.625%
HK$66,916
+HK$3,351/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,130/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,211
−HK$1,999/mo
Today · 4.125%
HK$67,210
baseline
▲ 0.50% · 4.625%
HK$71,299
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,420/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,358
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,245
−HK$1,914/mo
Today · 4.125%
HK$74,159
baseline
▲ 0.50% · 4.625%
HK$78,068
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,318/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,313
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,843
−HK$2,569/mo
Today · 4.125%
HK$86,412
baseline
▲ 0.50% · 4.625%
HK$91,670
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,824/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,460
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,886
−HK$2,462/mo
Today · 4.125%
HK$95,348
baseline
▲ 0.50% · 4.625%
HK$100,374
+HK$5,026/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,696/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,912 · Scale 2, in force from 26 Feb 2026)