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$45,150
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,555
−HK$1,427/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,901
+HK$2,919/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$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,229
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,366/mo
Today · 4.125%
HK$52,943
baseline
▲ 0.50% · 4.625%
HK$55,734
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,886/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,181
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,866
−HK$1,712/mo
Today · 4.125%
HK$57,578
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,156/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,275
−HK$3,257/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$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,997/mo
Today · 4.125%
HK$67,174
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,348/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,321
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,207
−HK$1,913/mo
Today · 4.125%
HK$74,120
baseline
▲ 0.50% · 4.625%
HK$78,027
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,240/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,271
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,799
−HK$2,568/mo
Today · 4.125%
HK$86,367
baseline
▲ 0.50% · 4.625%
HK$91,622
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,734/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,413
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,838
−HK$2,460/mo
Today · 4.125%
HK$95,298
baseline
▲ 0.50% · 4.625%
HK$100,321
+HK$5,023/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,596/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,523 · Scale 2, in force from 26 Feb 2026)