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$45,122
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,525
−HK$1,426/mo
Today · 4.125%
HK$47,951
baseline
▲ 0.50% · 4.625%
HK$50,869
+HK$2,918/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,902/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,197
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,544
−HK$1,365/mo
Today · 4.125%
HK$52,909
baseline
▲ 0.50% · 4.625%
HK$55,698
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,818/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,830
−HK$1,711/mo
Today · 4.125%
HK$57,541
baseline
▲ 0.50% · 4.625%
HK$61,043
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$115,082/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,237
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,639/mo
Today · 4.125%
HK$63,491
baseline
▲ 0.50% · 4.625%
HK$66,838
+HK$3,347/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$126,982/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,170
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,135
−HK$1,997/mo
Today · 4.125%
HK$67,132
baseline
▲ 0.50% · 4.625%
HK$71,216
+HK$4,084/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,264/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,276
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,161
−HK$1,912/mo
Today · 4.125%
HK$74,073
baseline
▲ 0.50% · 4.625%
HK$77,978
+HK$3,905/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,146/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,219
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,745
−HK$2,567/mo
Today · 4.125%
HK$86,312
baseline
▲ 0.50% · 4.625%
HK$91,564
+HK$5,252/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,624/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,355
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,779
−HK$2,458/mo
Today · 4.125%
HK$95,237
baseline
▲ 0.50% · 4.625%
HK$100,257
+HK$5,020/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,474/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,049 · Scale 2, in force from 26 Feb 2026)