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$45,013
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,413
−HK$1,422/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,746
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,363/mo
Today · 4.125%
HK$52,782
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$2,782/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,564/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,015
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,696
−HK$1,707/mo
Today · 4.125%
HK$57,403
baseline
▲ 0.50% · 4.625%
HK$60,895
+HK$3,492/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$114,806/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,092
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,703
−HK$1,635/mo
Today · 4.125%
HK$63,338
baseline
▲ 0.50% · 4.625%
HK$66,677
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.84M · min. income ≈ HK$126,676/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,018
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,978
−HK$1,992/mo
Today · 4.125%
HK$66,970
baseline
▲ 0.50% · 4.625%
HK$71,045
+HK$4,075/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,940/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,107
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,987
−HK$1,907/mo
Today · 4.125%
HK$73,894
baseline
▲ 0.50% · 4.625%
HK$77,789
+HK$3,895/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,788/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,023
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,543
−HK$2,561/mo
Today · 4.125%
HK$86,104
baseline
▲ 0.50% · 4.625%
HK$91,343
+HK$5,239/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,208/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,137
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,555
−HK$2,452/mo
Today · 4.125%
HK$95,007
baseline
▲ 0.50% · 4.625%
HK$100,015
+HK$5,008/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,014/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,259 · Scale 2, in force from 26 Feb 2026)