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$45,100
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,503
−HK$1,425/mo
Today · 4.125%
HK$47,928
baseline
▲ 0.50% · 4.625%
HK$50,844
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,856/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,173
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,519
−HK$1,365/mo
Today · 4.125%
HK$52,884
baseline
▲ 0.50% · 4.625%
HK$55,671
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,768/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,120
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,803
−HK$1,710/mo
Today · 4.125%
HK$57,513
baseline
▲ 0.50% · 4.625%
HK$61,013
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,026/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,208
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,822
−HK$1,638/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$66,805
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,140
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,104
−HK$1,995/mo
Today · 4.125%
HK$67,099
baseline
▲ 0.50% · 4.625%
HK$71,182
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,198/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,242
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,126
−HK$1,911/mo
Today · 4.125%
HK$74,037
baseline
▲ 0.50% · 4.625%
HK$77,940
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,074/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,179
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,705
−HK$2,565/mo
Today · 4.125%
HK$86,270
baseline
▲ 0.50% · 4.625%
HK$91,519
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,540/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,311
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,733
−HK$2,458/mo
Today · 4.125%
HK$95,191
baseline
▲ 0.50% · 4.625%
HK$100,208
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,382/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,689 · Scale 2, in force from 26 Feb 2026)