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$45,139
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,543
−HK$1,427/mo
Today · 4.125%
HK$47,970
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,919/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,940/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,217
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,564
−HK$1,366/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$55,720
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,167
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,852
−HK$1,712/mo
Today · 4.125%
HK$57,564
baseline
▲ 0.50% · 4.625%
HK$61,067
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,128/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,877
−HK$1,639/mo
Today · 4.125%
HK$63,516
baseline
▲ 0.50% · 4.625%
HK$66,864
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,032/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,195
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,161
−HK$1,997/mo
Today · 4.125%
HK$67,158
baseline
▲ 0.50% · 4.625%
HK$71,244
+HK$4,086/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,316/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,304
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,189
−HK$1,913/mo
Today · 4.125%
HK$74,102
baseline
▲ 0.50% · 4.625%
HK$78,008
+HK$3,906/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,204/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,251
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,778
−HK$2,568/mo
Today · 4.125%
HK$86,346
baseline
▲ 0.50% · 4.625%
HK$91,600
+HK$5,254/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,692/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,391
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,815
−HK$2,459/mo
Today · 4.125%
HK$95,274
baseline
▲ 0.50% · 4.625%
HK$100,296
+HK$5,022/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,548/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,341 · Scale 2, in force from 26 Feb 2026)