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$45,125
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,529
−HK$1,426/mo
Today · 4.125%
HK$47,955
baseline
▲ 0.50% · 4.625%
HK$50,873
+HK$2,918/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,910/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,202
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,548
−HK$1,366/mo
Today · 4.125%
HK$52,914
baseline
▲ 0.50% · 4.625%
HK$55,703
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,828/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,151
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,835
−HK$1,711/mo
Today · 4.125%
HK$57,546
baseline
▲ 0.50% · 4.625%
HK$61,048
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$115,092/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,242
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,858
−HK$1,639/mo
Today · 4.125%
HK$63,497
baseline
▲ 0.50% · 4.625%
HK$66,844
+HK$3,347/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$126,994/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,176
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,141
−HK$1,996/mo
Today · 4.125%
HK$67,137
baseline
▲ 0.50% · 4.625%
HK$71,222
+HK$4,085/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,274/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,282
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,167
−HK$1,912/mo
Today · 4.125%
HK$74,079
baseline
▲ 0.50% · 4.625%
HK$77,984
+HK$3,905/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,158/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,226
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,752
−HK$2,567/mo
Today · 4.125%
HK$86,319
baseline
▲ 0.50% · 4.625%
HK$91,572
+HK$5,253/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,638/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,363
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,786
−HK$2,459/mo
Today · 4.125%
HK$95,245
baseline
▲ 0.50% · 4.625%
HK$100,265
+HK$5,020/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,490/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,112 · Scale 2, in force from 26 Feb 2026)