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$45,012
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,412
−HK$1,422/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,745
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,075
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,418
−HK$1,362/mo
Today · 4.125%
HK$52,780
baseline
▲ 0.50% · 4.625%
HK$55,563
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,560/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,014
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,694
−HK$1,707/mo
Today · 4.125%
HK$57,401
baseline
▲ 0.50% · 4.625%
HK$60,894
+HK$3,493/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$114,802/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,090
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,702
−HK$1,635/mo
Today · 4.125%
HK$63,337
baseline
▲ 0.50% · 4.625%
HK$66,675
+HK$3,338/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$126,674/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,016
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,977
−HK$1,991/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$71,043
+HK$4,075/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,105
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,985
−HK$1,908/mo
Today · 4.125%
HK$73,893
baseline
▲ 0.50% · 4.625%
HK$77,788
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,786/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,021
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,541
−HK$2,561/mo
Today · 4.125%
HK$86,102
baseline
▲ 0.50% · 4.625%
HK$91,341
+HK$5,239/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,204/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,135
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,553
−HK$2,452/mo
Today · 4.125%
HK$95,005
baseline
▲ 0.50% · 4.625%
HK$100,013
+HK$5,008/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,010/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,242 · Scale 2, in force from 26 Feb 2026)