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$45,169
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,574
−HK$1,427/mo
Today · 4.125%
HK$48,001
baseline
▲ 0.50% · 4.625%
HK$50,922
+HK$2,921/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$96,002/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,250
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,597
−HK$1,367/mo
Today · 4.125%
HK$52,964
baseline
▲ 0.50% · 4.625%
HK$55,756
+HK$2,792/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,928/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,202
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,713/mo
Today · 4.125%
HK$57,601
baseline
▲ 0.50% · 4.625%
HK$61,106
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,202/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,300
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,917
−HK$1,640/mo
Today · 4.125%
HK$63,557
baseline
▲ 0.50% · 4.625%
HK$66,908
+HK$3,351/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,114/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,236
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,203
−HK$1,998/mo
Today · 4.125%
HK$67,201
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$4,090/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,402/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,349
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,236
−HK$1,914/mo
Today · 4.125%
HK$74,150
baseline
▲ 0.50% · 4.625%
HK$78,059
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,300/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,303
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,832
−HK$2,570/mo
Today · 4.125%
HK$86,402
baseline
▲ 0.50% · 4.625%
HK$91,659
+HK$5,257/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,804/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,449
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,875
−HK$2,461/mo
Today · 4.125%
HK$95,336
baseline
▲ 0.50% · 4.625%
HK$100,361
+HK$5,025/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,672/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,822 · Scale 2, in force from 26 Feb 2026)