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$45,078
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,480
−HK$1,425/mo
Today · 4.125%
HK$47,905
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,810/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,149
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,494
−HK$1,364/mo
Today · 4.125%
HK$52,858
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,716/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,093
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,710/mo
Today · 4.125%
HK$57,486
baseline
▲ 0.50% · 4.625%
HK$60,983
+HK$3,497/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,972/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,178
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,792
−HK$1,638/mo
Today · 4.125%
HK$63,430
baseline
▲ 0.50% · 4.625%
HK$66,773
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,860/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,109
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,072
−HK$1,995/mo
Today · 4.125%
HK$67,067
baseline
▲ 0.50% · 4.625%
HK$71,147
+HK$4,080/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,134/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,208
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,091
−HK$1,910/mo
Today · 4.125%
HK$74,001
baseline
▲ 0.50% · 4.625%
HK$77,902
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,002/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,140
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,664
−HK$2,564/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$91,475
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,268
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,689
−HK$2,456/mo
Today · 4.125%
HK$95,145
baseline
▲ 0.50% · 4.625%
HK$100,160
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,290/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,330 · Scale 2, in force from 26 Feb 2026)