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$45,115
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,518
−HK$1,426/mo
Today · 4.125%
HK$47,944
baseline
▲ 0.50% · 4.625%
HK$50,861
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,888/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,190
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,536
−HK$1,365/mo
Today · 4.125%
HK$52,901
baseline
▲ 0.50% · 4.625%
HK$55,690
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,802/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,138
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,822
−HK$1,711/mo
Today · 4.125%
HK$57,533
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,066/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,843
−HK$1,639/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$66,828
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,161
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,125
−HK$1,996/mo
Today · 4.125%
HK$67,121
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$4,084/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,242/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,266
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,150
−HK$1,912/mo
Today · 4.125%
HK$74,062
baseline
▲ 0.50% · 4.625%
HK$77,966
+HK$3,904/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,124/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,206
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,732
−HK$2,567/mo
Today · 4.125%
HK$86,299
baseline
▲ 0.50% · 4.625%
HK$91,550
+HK$5,251/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,598/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,341
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,764
−HK$2,458/mo
Today · 4.125%
HK$95,222
baseline
▲ 0.50% · 4.625%
HK$100,242
+HK$5,020/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,444/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,935 · Scale 2, in force from 26 Feb 2026)