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$45,092
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,425/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,836
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,510
−HK$1,365/mo
Today · 4.125%
HK$52,875
baseline
▲ 0.50% · 4.625%
HK$55,662
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,750/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,111
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,794
−HK$1,710/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$61,003
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,198
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,638/mo
Today · 4.125%
HK$63,450
baseline
▲ 0.50% · 4.625%
HK$66,794
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,900/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,129
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,093
−HK$1,995/mo
Today · 4.125%
HK$67,088
baseline
▲ 0.50% · 4.625%
HK$71,170
+HK$4,082/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,176/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,231
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$1,911/mo
Today · 4.125%
HK$74,025
baseline
▲ 0.50% · 4.625%
HK$77,927
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,050/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,166
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,691
−HK$2,565/mo
Today · 4.125%
HK$86,256
baseline
▲ 0.50% · 4.625%
HK$91,504
+HK$5,248/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,512/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,296
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,718
−HK$2,457/mo
Today · 4.125%
HK$95,175
baseline
▲ 0.50% · 4.625%
HK$100,192
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,350/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,566 · Scale 2, in force from 26 Feb 2026)