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$45,062
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,463
−HK$1,425/mo
Today · 4.125%
HK$47,888
baseline
▲ 0.50% · 4.625%
HK$50,801
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,776/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,131
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,475
−HK$1,364/mo
Today · 4.125%
HK$52,839
baseline
▲ 0.50% · 4.625%
HK$55,624
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,678/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,074
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,756
−HK$1,709/mo
Today · 4.125%
HK$57,465
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,497/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$114,930/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,157
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,770
−HK$1,637/mo
Today · 4.125%
HK$63,407
baseline
▲ 0.50% · 4.625%
HK$66,749
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$126,814/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,086
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,049
−HK$1,994/mo
Today · 4.125%
HK$67,043
baseline
▲ 0.50% · 4.625%
HK$71,122
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,086/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,183
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$1,910/mo
Today · 4.125%
HK$73,975
baseline
▲ 0.50% · 4.625%
HK$77,874
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,950/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,111
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,634
−HK$2,564/mo
Today · 4.125%
HK$86,198
baseline
▲ 0.50% · 4.625%
HK$91,442
+HK$5,244/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,396/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,235
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,655
−HK$2,455/mo
Today · 4.125%
HK$95,110
baseline
▲ 0.50% · 4.625%
HK$100,124
+HK$5,014/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,220/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,065 · Scale 2, in force from 26 Feb 2026)