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$45,098
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,501
−HK$1,426/mo
Today · 4.125%
HK$47,927
baseline
▲ 0.50% · 4.625%
HK$50,843
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,854/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,172
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,365/mo
Today · 4.125%
HK$52,882
baseline
▲ 0.50% · 4.625%
HK$55,670
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,764/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,118
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,802
−HK$1,710/mo
Today · 4.125%
HK$57,512
baseline
▲ 0.50% · 4.625%
HK$61,011
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,024/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,638/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,918/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,138
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,102
−HK$1,995/mo
Today · 4.125%
HK$67,097
baseline
▲ 0.50% · 4.625%
HK$71,180
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,194/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,240
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,124
−HK$1,911/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$77,938
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,177
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,702
−HK$2,566/mo
Today · 4.125%
HK$86,268
baseline
▲ 0.50% · 4.625%
HK$91,517
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,536/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,309
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,731
−HK$2,457/mo
Today · 4.125%
HK$95,188
baseline
▲ 0.50% · 4.625%
HK$100,206
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,376/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,669 · Scale 2, in force from 26 Feb 2026)