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$45,186
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,591
−HK$1,428/mo
Today · 4.125%
HK$48,019
baseline
▲ 0.50% · 4.625%
HK$50,941
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,038/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,269
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,617
−HK$1,368/mo
Today · 4.125%
HK$52,985
baseline
▲ 0.50% · 4.625%
HK$55,778
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,970/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,223
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,910
−HK$1,713/mo
Today · 4.125%
HK$57,623
baseline
▲ 0.50% · 4.625%
HK$61,130
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,246/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,323
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,940
−HK$1,642/mo
Today · 4.125%
HK$63,582
baseline
▲ 0.50% · 4.625%
HK$66,933
+HK$3,351/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,164/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,260
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,228
−HK$1,999/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$71,318
+HK$4,091/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,376
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,264
−HK$1,915/mo
Today · 4.125%
HK$74,179
baseline
▲ 0.50% · 4.625%
HK$78,089
+HK$3,910/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,358/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,335
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,865
−HK$2,570/mo
Today · 4.125%
HK$86,435
baseline
▲ 0.50% · 4.625%
HK$91,694
+HK$5,259/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,870/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,484
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,911
−HK$2,461/mo
Today · 4.125%
HK$95,372
baseline
▲ 0.50% · 4.625%
HK$100,400
+HK$5,028/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,744/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$743,106 · Scale 2, in force from 26 Feb 2026)