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$45,125
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,529
−HK$1,426/mo
Today · 4.125%
HK$47,955
baseline
▲ 0.50% · 4.625%
HK$50,873
+HK$2,918/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,910/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,201
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,548
−HK$1,365/mo
Today · 4.125%
HK$52,913
baseline
▲ 0.50% · 4.625%
HK$55,703
+HK$2,790/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,826/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,150
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,834
−HK$1,712/mo
Today · 4.125%
HK$57,546
baseline
▲ 0.50% · 4.625%
HK$61,047
+HK$3,501/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$115,092/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,241
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,639/mo
Today · 4.125%
HK$63,496
baseline
▲ 0.50% · 4.625%
HK$66,843
+HK$3,347/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$126,992/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,175
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,140
−HK$1,997/mo
Today · 4.125%
HK$67,137
baseline
▲ 0.50% · 4.625%
HK$71,222
+HK$4,085/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,274/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,282
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,167
−HK$1,912/mo
Today · 4.125%
HK$74,079
baseline
▲ 0.50% · 4.625%
HK$77,984
+HK$3,905/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,158/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,225
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,752
−HK$2,567/mo
Today · 4.125%
HK$86,319
baseline
▲ 0.50% · 4.625%
HK$91,571
+HK$5,252/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,638/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,362
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,786
−HK$2,458/mo
Today · 4.125%
HK$95,244
baseline
▲ 0.50% · 4.625%
HK$100,265
+HK$5,021/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,488/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,106 · Scale 2, in force from 26 Feb 2026)