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$45,065
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,424/mo
Today · 4.125%
HK$47,891
baseline
▲ 0.50% · 4.625%
HK$50,805
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,782/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,135
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,479
−HK$1,364/mo
Today · 4.125%
HK$52,843
baseline
▲ 0.50% · 4.625%
HK$55,629
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,686/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,078
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,760
−HK$1,710/mo
Today · 4.125%
HK$57,470
baseline
▲ 0.50% · 4.625%
HK$60,966
+HK$3,496/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,940/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,162
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,775
−HK$1,637/mo
Today · 4.125%
HK$63,412
baseline
▲ 0.50% · 4.625%
HK$66,754
+HK$3,342/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,824/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,091
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,054
−HK$1,994/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$71,127
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,189
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,071
−HK$1,910/mo
Today · 4.125%
HK$73,981
baseline
▲ 0.50% · 4.625%
HK$77,880
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,962/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,118
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,641
−HK$2,563/mo
Today · 4.125%
HK$86,204
baseline
▲ 0.50% · 4.625%
HK$91,450
+HK$5,246/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,408/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,242
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,663
−HK$2,455/mo
Today · 4.125%
HK$95,118
baseline
▲ 0.50% · 4.625%
HK$100,132
+HK$5,014/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,236/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,122 · Scale 2, in force from 26 Feb 2026)