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$45,087
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,489
−HK$1,425/mo
Today · 4.125%
HK$47,914
baseline
▲ 0.50% · 4.625%
HK$50,830
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,828/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,159
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,504
−HK$1,365/mo
Today · 4.125%
HK$52,869
baseline
▲ 0.50% · 4.625%
HK$55,655
+HK$2,786/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,738/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,104
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,787
−HK$1,710/mo
Today · 4.125%
HK$57,497
baseline
▲ 0.50% · 4.625%
HK$60,996
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,994/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,190
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,805
−HK$1,637/mo
Today · 4.125%
HK$63,442
baseline
▲ 0.50% · 4.625%
HK$66,786
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,884/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,122
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,085
−HK$1,995/mo
Today · 4.125%
HK$67,080
baseline
▲ 0.50% · 4.625%
HK$71,161
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,160/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,222
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,105
−HK$1,911/mo
Today · 4.125%
HK$74,016
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$3,901/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,032/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,156
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,681
−HK$2,564/mo
Today · 4.125%
HK$86,245
baseline
▲ 0.50% · 4.625%
HK$91,493
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,490/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,286
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,707
−HK$2,456/mo
Today · 4.125%
HK$95,163
baseline
▲ 0.50% · 4.625%
HK$100,180
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,326/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,477 · Scale 2, in force from 26 Feb 2026)