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$45,058
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,424/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,797
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,126
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,364/mo
Today · 4.125%
HK$52,834
baseline
▲ 0.50% · 4.625%
HK$55,619
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,668/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,069
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,751
−HK$1,709/mo
Today · 4.125%
HK$57,460
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$114,920/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,151
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,765
−HK$1,636/mo
Today · 4.125%
HK$63,401
baseline
▲ 0.50% · 4.625%
HK$66,743
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$126,802/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,081
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,043
−HK$1,993/mo
Today · 4.125%
HK$67,036
baseline
▲ 0.50% · 4.625%
HK$71,115
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,072/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,176
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,059
−HK$1,909/mo
Today · 4.125%
HK$73,968
baseline
▲ 0.50% · 4.625%
HK$77,867
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,936/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,104
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,626
−HK$2,563/mo
Today · 4.125%
HK$86,189
baseline
▲ 0.50% · 4.625%
HK$91,434
+HK$5,245/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,378/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,227
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,647
−HK$2,455/mo
Today · 4.125%
HK$95,102
baseline
▲ 0.50% · 4.625%
HK$100,115
+HK$5,013/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,204/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,995 · Scale 2, in force from 26 Feb 2026)