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$45,157
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,428/mo
Today · 4.125%
HK$47,989
baseline
▲ 0.50% · 4.625%
HK$50,909
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,978/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,237
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,584
−HK$1,367/mo
Today · 4.125%
HK$52,951
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,902/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,188
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,874
−HK$1,712/mo
Today · 4.125%
HK$57,586
baseline
▲ 0.50% · 4.625%
HK$61,090
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,172/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,284
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,901
−HK$1,640/mo
Today · 4.125%
HK$63,541
baseline
▲ 0.50% · 4.625%
HK$66,890
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,082/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,220
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,186
−HK$1,998/mo
Today · 4.125%
HK$67,184
baseline
▲ 0.50% · 4.625%
HK$71,272
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,368/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,331
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,217
−HK$1,914/mo
Today · 4.125%
HK$74,131
baseline
▲ 0.50% · 4.625%
HK$78,038
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,262/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,282
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,811
−HK$2,568/mo
Today · 4.125%
HK$86,379
baseline
▲ 0.50% · 4.625%
HK$91,635
+HK$5,256/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,758/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,426
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,851
−HK$2,460/mo
Today · 4.125%
HK$95,311
baseline
▲ 0.50% · 4.625%
HK$100,335
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,622/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,628 · Scale 2, in force from 26 Feb 2026)