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$45,073
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,424/mo
Today · 4.125%
HK$47,900
baseline
▲ 0.50% · 4.625%
HK$50,815
+HK$2,915/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,800/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,144
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,489
−HK$1,364/mo
Today · 4.125%
HK$52,853
baseline
▲ 0.50% · 4.625%
HK$55,639
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,706/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,088
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,771
−HK$1,709/mo
Today · 4.125%
HK$57,480
baseline
▲ 0.50% · 4.625%
HK$60,978
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,960/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,173
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,786
−HK$1,638/mo
Today · 4.125%
HK$63,424
baseline
▲ 0.50% · 4.625%
HK$66,767
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,848/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,103
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,066
−HK$1,994/mo
Today · 4.125%
HK$67,060
baseline
▲ 0.50% · 4.625%
HK$71,140
+HK$4,080/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,120/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,201
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,084
−HK$1,910/mo
Today · 4.125%
HK$73,994
baseline
▲ 0.50% · 4.625%
HK$77,894
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$147,988/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,132
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,656
−HK$2,564/mo
Today · 4.125%
HK$86,220
baseline
▲ 0.50% · 4.625%
HK$91,466
+HK$5,246/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,440/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,259
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,680
−HK$2,455/mo
Today · 4.125%
HK$95,135
baseline
▲ 0.50% · 4.625%
HK$100,150
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,270/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,257 · Scale 2, in force from 26 Feb 2026)