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$45,052
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,454
−HK$1,424/mo
Today · 4.125%
HK$47,878
baseline
▲ 0.50% · 4.625%
HK$50,791
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,756/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,120
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,465
−HK$1,363/mo
Today · 4.125%
HK$52,828
baseline
▲ 0.50% · 4.625%
HK$55,613
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,656/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,063
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,745
−HK$1,708/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,949
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,144
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,757
−HK$1,637/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$66,735
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,073
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,035
−HK$1,994/mo
Today · 4.125%
HK$67,029
baseline
▲ 0.50% · 4.625%
HK$71,107
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,058/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,168
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,050
−HK$1,909/mo
Today · 4.125%
HK$73,959
baseline
▲ 0.50% · 4.625%
HK$77,858
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,918/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,094
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,617
−HK$2,563/mo
Today · 4.125%
HK$86,180
baseline
▲ 0.50% · 4.625%
HK$91,423
+HK$5,243/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,360/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,217
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,636
−HK$2,455/mo
Today · 4.125%
HK$95,091
baseline
▲ 0.50% · 4.625%
HK$100,103
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,182/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,910 · Scale 2, in force from 26 Feb 2026)