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$45,088
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,425/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,831
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,160
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,505
−HK$1,364/mo
Today · 4.125%
HK$52,869
baseline
▲ 0.50% · 4.625%
HK$55,656
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,738/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,105
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,788
−HK$1,710/mo
Today · 4.125%
HK$57,498
baseline
▲ 0.50% · 4.625%
HK$60,997
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,996/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,191
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,806
−HK$1,637/mo
Today · 4.125%
HK$63,443
baseline
▲ 0.50% · 4.625%
HK$66,788
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,886/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,123
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,995/mo
Today · 4.125%
HK$67,081
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,162/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,223
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,107
−HK$1,910/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,158
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,682
−HK$2,565/mo
Today · 4.125%
HK$86,247
baseline
▲ 0.50% · 4.625%
HK$91,495
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,494/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,287
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,709
−HK$2,456/mo
Today · 4.125%
HK$95,165
baseline
▲ 0.50% · 4.625%
HK$100,181
+HK$5,016/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,330/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,490 · Scale 2, in force from 26 Feb 2026)