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$45,068
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,424/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,808
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,364/mo
Today · 4.125%
HK$52,846
baseline
▲ 0.50% · 4.625%
HK$55,632
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,692/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,081
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,764
−HK$1,709/mo
Today · 4.125%
HK$57,473
baseline
▲ 0.50% · 4.625%
HK$60,970
+HK$3,497/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,946/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,165
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,779
−HK$1,636/mo
Today · 4.125%
HK$63,415
baseline
▲ 0.50% · 4.625%
HK$66,758
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,830/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,095
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,058
−HK$1,994/mo
Today · 4.125%
HK$67,052
baseline
▲ 0.50% · 4.625%
HK$71,131
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,104/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,192
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,075
−HK$1,910/mo
Today · 4.125%
HK$73,985
baseline
▲ 0.50% · 4.625%
HK$77,885
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$147,970/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,122
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,645
−HK$2,564/mo
Today · 4.125%
HK$86,209
baseline
▲ 0.50% · 4.625%
HK$91,455
+HK$5,246/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,418/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,247
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,668
−HK$2,455/mo
Today · 4.125%
HK$95,123
baseline
▲ 0.50% · 4.625%
HK$100,137
+HK$5,014/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,246/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,164 · Scale 2, in force from 26 Feb 2026)