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$45,031
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,432
−HK$1,423/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,767
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,097
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,441
−HK$1,363/mo
Today · 4.125%
HK$52,804
baseline
▲ 0.50% · 4.625%
HK$55,587
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,608/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,707/mo
Today · 4.125%
HK$57,426
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,495/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,852/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,116
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,635/mo
Today · 4.125%
HK$63,364
baseline
▲ 0.50% · 4.625%
HK$66,704
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,728/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,044
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,005
−HK$1,992/mo
Today · 4.125%
HK$66,997
baseline
▲ 0.50% · 4.625%
HK$71,074
+HK$4,077/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,994/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,136
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,017
−HK$1,908/mo
Today · 4.125%
HK$73,925
baseline
▲ 0.50% · 4.625%
HK$77,822
+HK$3,897/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,850/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,057
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,578
−HK$2,561/mo
Today · 4.125%
HK$86,139
baseline
▲ 0.50% · 4.625%
HK$91,381
+HK$5,242/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,278/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,175
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,593
−HK$2,453/mo
Today · 4.125%
HK$95,046
baseline
▲ 0.50% · 4.625%
HK$100,056
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,092/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,565 · Scale 2, in force from 26 Feb 2026)