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$45,177
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,428/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,921/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,607
−HK$1,367/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$55,767
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,212
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,899
−HK$1,713/mo
Today · 4.125%
HK$57,612
baseline
▲ 0.50% · 4.625%
HK$61,118
+HK$3,506/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,224/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,311
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,641/mo
Today · 4.125%
HK$63,569
baseline
▲ 0.50% · 4.625%
HK$66,920
+HK$3,351/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,138/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,248
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,215
−HK$1,999/mo
Today · 4.125%
HK$67,214
baseline
▲ 0.50% · 4.625%
HK$71,304
+HK$4,090/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,428/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,363
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,250
−HK$1,914/mo
Today · 4.125%
HK$74,164
baseline
▲ 0.50% · 4.625%
HK$78,073
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,328/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,319
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,848
−HK$2,570/mo
Today · 4.125%
HK$86,418
baseline
▲ 0.50% · 4.625%
HK$91,676
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,836/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,466
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,893
−HK$2,461/mo
Today · 4.125%
HK$95,354
baseline
▲ 0.50% · 4.625%
HK$100,380
+HK$5,026/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,708/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,961 · Scale 2, in force from 26 Feb 2026)