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$45,136
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,427/mo
Today · 4.125%
HK$47,966
baseline
▲ 0.50% · 4.625%
HK$50,885
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,932/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,213
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,559
−HK$1,367/mo
Today · 4.125%
HK$52,926
baseline
▲ 0.50% · 4.625%
HK$55,715
+HK$2,789/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,852/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,163
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,847
−HK$1,712/mo
Today · 4.125%
HK$57,559
baseline
▲ 0.50% · 4.625%
HK$61,061
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,118/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,255
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,871
−HK$1,640/mo
Today · 4.125%
HK$63,511
baseline
▲ 0.50% · 4.625%
HK$66,859
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,022/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,190
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,155
−HK$1,997/mo
Today · 4.125%
HK$67,152
baseline
▲ 0.50% · 4.625%
HK$71,238
+HK$4,086/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,304/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,298
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,183
−HK$1,913/mo
Today · 4.125%
HK$74,096
baseline
▲ 0.50% · 4.625%
HK$78,002
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,192/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,244
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,771
−HK$2,568/mo
Today · 4.125%
HK$86,339
baseline
▲ 0.50% · 4.625%
HK$91,592
+HK$5,253/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,678/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,383
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,807
−HK$2,459/mo
Today · 4.125%
HK$95,266
baseline
▲ 0.50% · 4.625%
HK$100,288
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,532/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,277 · Scale 2, in force from 26 Feb 2026)