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$45,001
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,401
−HK$1,422/mo
Today · 4.125%
HK$47,823
baseline
▲ 0.50% · 4.625%
HK$50,733
+HK$2,910/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,646/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,063
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,406
−HK$1,362/mo
Today · 4.125%
HK$52,768
baseline
▲ 0.50% · 4.625%
HK$55,549
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,536/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,001
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,706/mo
Today · 4.125%
HK$57,387
baseline
▲ 0.50% · 4.625%
HK$60,879
+HK$3,492/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,774/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,075
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,687
−HK$1,634/mo
Today · 4.125%
HK$63,321
baseline
▲ 0.50% · 4.625%
HK$66,659
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,642/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,001
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,961
−HK$1,991/mo
Today · 4.125%
HK$66,952
baseline
▲ 0.50% · 4.625%
HK$71,026
+HK$4,074/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,904/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,968
−HK$1,907/mo
Today · 4.125%
HK$73,875
baseline
▲ 0.50% · 4.625%
HK$77,769
+HK$3,894/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,750/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,001
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,521
−HK$2,560/mo
Today · 4.125%
HK$86,081
baseline
▲ 0.50% · 4.625%
HK$91,319
+HK$5,238/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,162/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,113
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,530
−HK$2,452/mo
Today · 4.125%
HK$94,982
baseline
▲ 0.50% · 4.625%
HK$99,988
+HK$5,006/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,964/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,061 · Scale 2, in force from 26 Feb 2026)