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$45,141
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,545
−HK$1,427/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,219
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,566
−HK$1,366/mo
Today · 4.125%
HK$52,932
baseline
▲ 0.50% · 4.625%
HK$55,722
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,864/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,169
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,854
−HK$1,712/mo
Today · 4.125%
HK$57,566
baseline
▲ 0.50% · 4.625%
HK$61,069
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,132/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,263
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,879
−HK$1,639/mo
Today · 4.125%
HK$63,518
baseline
▲ 0.50% · 4.625%
HK$66,866
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,036/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,197
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,163
−HK$1,997/mo
Today · 4.125%
HK$67,160
baseline
▲ 0.50% · 4.625%
HK$71,247
+HK$4,087/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,320/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,306
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,192
−HK$1,913/mo
Today · 4.125%
HK$74,105
baseline
▲ 0.50% · 4.625%
HK$78,011
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,210/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,254
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,781
−HK$2,568/mo
Today · 4.125%
HK$86,349
baseline
▲ 0.50% · 4.625%
HK$91,603
+HK$5,254/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,698/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,394
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,818
−HK$2,460/mo
Today · 4.125%
HK$95,278
baseline
▲ 0.50% · 4.625%
HK$100,300
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,556/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,366 · Scale 2, in force from 26 Feb 2026)