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$45,114
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,426/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,189
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,365/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$55,689
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,821
−HK$1,711/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$61,032
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,227
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,638/mo
Today · 4.125%
HK$63,480
baseline
▲ 0.50% · 4.625%
HK$66,827
+HK$3,347/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,960/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,160
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,124
−HK$1,996/mo
Today · 4.125%
HK$67,120
baseline
▲ 0.50% · 4.625%
HK$71,204
+HK$4,084/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,240/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,264
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,149
−HK$1,912/mo
Today · 4.125%
HK$74,061
baseline
▲ 0.50% · 4.625%
HK$77,964
+HK$3,903/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,122/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,205
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,731
−HK$2,566/mo
Today · 4.125%
HK$86,297
baseline
▲ 0.50% · 4.625%
HK$91,548
+HK$5,251/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,594/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,340
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,763
−HK$2,458/mo
Today · 4.125%
HK$95,221
baseline
▲ 0.50% · 4.625%
HK$100,240
+HK$5,019/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,442/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,923 · Scale 2, in force from 26 Feb 2026)