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$45,104
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,507
−HK$1,425/mo
Today · 4.125%
HK$47,932
baseline
▲ 0.50% · 4.625%
HK$50,849
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,864/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,523
−HK$1,365/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$55,676
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,124
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,808
−HK$1,710/mo
Today · 4.125%
HK$57,518
baseline
▲ 0.50% · 4.625%
HK$61,018
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,036/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,213
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,828
−HK$1,638/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$66,811
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,145
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,109
−HK$1,996/mo
Today · 4.125%
HK$67,105
baseline
▲ 0.50% · 4.625%
HK$71,188
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,210/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,248
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,132
−HK$1,912/mo
Today · 4.125%
HK$74,044
baseline
▲ 0.50% · 4.625%
HK$77,947
+HK$3,903/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,088/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,187
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,712
−HK$2,566/mo
Today · 4.125%
HK$86,278
baseline
▲ 0.50% · 4.625%
HK$91,527
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,556/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,319
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,742
−HK$2,457/mo
Today · 4.125%
HK$95,199
baseline
▲ 0.50% · 4.625%
HK$100,217
+HK$5,018/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,398/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,753 · Scale 2, in force from 26 Feb 2026)