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$45,134
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,538
−HK$1,427/mo
Today · 4.125%
HK$47,965
baseline
▲ 0.50% · 4.625%
HK$50,883
+HK$2,918/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,930/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,211
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,558
−HK$1,366/mo
Today · 4.125%
HK$52,924
baseline
▲ 0.50% · 4.625%
HK$55,714
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,848/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,161
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,846
−HK$1,712/mo
Today · 4.125%
HK$57,558
baseline
▲ 0.50% · 4.625%
HK$61,060
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,116/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,254
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,870
−HK$1,639/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$66,857
+HK$3,348/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,188
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,153
−HK$1,997/mo
Today · 4.125%
HK$67,150
baseline
▲ 0.50% · 4.625%
HK$71,236
+HK$4,086/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,300/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,296
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,181
−HK$1,913/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$77,999
+HK$3,905/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,242
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,769
−HK$2,567/mo
Today · 4.125%
HK$86,336
baseline
▲ 0.50% · 4.625%
HK$91,590
+HK$5,254/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,672/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,381
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,805
−HK$2,459/mo
Today · 4.125%
HK$95,264
baseline
▲ 0.50% · 4.625%
HK$100,285
+HK$5,021/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,528/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,257 · Scale 2, in force from 26 Feb 2026)