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$45,164
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,569
−HK$1,427/mo
Today · 4.125%
HK$47,996
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,992/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,244
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,367/mo
Today · 4.125%
HK$52,959
baseline
▲ 0.50% · 4.625%
HK$55,750
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,918/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,197
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,882
−HK$1,713/mo
Today · 4.125%
HK$57,595
baseline
▲ 0.50% · 4.625%
HK$61,100
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,190/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,293
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,910
−HK$1,641/mo
Today · 4.125%
HK$63,551
baseline
▲ 0.50% · 4.625%
HK$66,900
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,102/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,229
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,196
−HK$1,998/mo
Today · 4.125%
HK$67,194
baseline
▲ 0.50% · 4.625%
HK$71,283
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,388/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,342
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,229
−HK$1,913/mo
Today · 4.125%
HK$74,142
baseline
▲ 0.50% · 4.625%
HK$78,051
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,284/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,295
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,824
−HK$2,569/mo
Today · 4.125%
HK$86,393
baseline
▲ 0.50% · 4.625%
HK$91,650
+HK$5,257/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,786/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,440
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,865
−HK$2,461/mo
Today · 4.125%
HK$95,326
baseline
▲ 0.50% · 4.625%
HK$100,351
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,652/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,743 · Scale 2, in force from 26 Feb 2026)