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$45,175
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,580
−HK$1,427/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,929
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,256
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,367/mo
Today · 4.125%
HK$52,971
baseline
▲ 0.50% · 4.625%
HK$55,764
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,942/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,210
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,713/mo
Today · 4.125%
HK$57,609
baseline
▲ 0.50% · 4.625%
HK$61,114
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,218/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,308
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,925
−HK$1,641/mo
Today · 4.125%
HK$63,566
baseline
▲ 0.50% · 4.625%
HK$66,916
+HK$3,350/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,132/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,212
−HK$1,998/mo
Today · 4.125%
HK$67,210
baseline
▲ 0.50% · 4.625%
HK$71,300
+HK$4,090/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,420/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,359
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,246
−HK$1,914/mo
Today · 4.125%
HK$74,160
baseline
▲ 0.50% · 4.625%
HK$78,069
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,320/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,314
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,844
−HK$2,569/mo
Today · 4.125%
HK$86,413
baseline
▲ 0.50% · 4.625%
HK$91,671
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,826/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,461
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,887
−HK$2,462/mo
Today · 4.125%
HK$95,349
baseline
▲ 0.50% · 4.625%
HK$100,375
+HK$5,026/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,698/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,920 · Scale 2, in force from 26 Feb 2026)