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$45,168
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,427/mo
Today · 4.125%
HK$48,000
baseline
▲ 0.50% · 4.625%
HK$50,921
+HK$2,921/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$96,000/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,249
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,596
−HK$1,368/mo
Today · 4.125%
HK$52,964
baseline
▲ 0.50% · 4.625%
HK$55,755
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,928/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,201
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,887
−HK$1,713/mo
Today · 4.125%
HK$57,600
baseline
▲ 0.50% · 4.625%
HK$61,105
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,200/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,299
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,916
−HK$1,640/mo
Today · 4.125%
HK$63,556
baseline
▲ 0.50% · 4.625%
HK$66,906
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,112/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,235
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,202
−HK$1,998/mo
Today · 4.125%
HK$67,200
baseline
▲ 0.50% · 4.625%
HK$71,289
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,400/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,348
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,235
−HK$1,914/mo
Today · 4.125%
HK$74,149
baseline
▲ 0.50% · 4.625%
HK$78,058
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,298/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,302
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,831
−HK$2,570/mo
Today · 4.125%
HK$86,401
baseline
▲ 0.50% · 4.625%
HK$91,658
+HK$5,257/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,802/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,448
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,874
−HK$2,461/mo
Today · 4.125%
HK$95,335
baseline
▲ 0.50% · 4.625%
HK$100,360
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,670/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,810 · Scale 2, in force from 26 Feb 2026)