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$45,151
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,555
−HK$1,427/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,964/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,230
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,367/mo
Today · 4.125%
HK$52,944
baseline
▲ 0.50% · 4.625%
HK$55,734
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,888/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,181
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,866
−HK$1,713/mo
Today · 4.125%
HK$57,579
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,158/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,276
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,892
−HK$1,640/mo
Today · 4.125%
HK$63,532
baseline
▲ 0.50% · 4.625%
HK$66,881
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,064/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,998/mo
Today · 4.125%
HK$67,175
baseline
▲ 0.50% · 4.625%
HK$71,263
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,350/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$1,913/mo
Today · 4.125%
HK$74,121
baseline
▲ 0.50% · 4.625%
HK$78,028
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,242/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,272
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,800
−HK$2,568/mo
Today · 4.125%
HK$86,368
baseline
▲ 0.50% · 4.625%
HK$91,623
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,736/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,414
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,839
−HK$2,460/mo
Today · 4.125%
HK$95,299
baseline
▲ 0.50% · 4.625%
HK$100,322
+HK$5,023/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,598/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,530 · Scale 2, in force from 26 Feb 2026)