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$47,660
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,143
−HK$1,506/mo
Today · 4.125%
HK$50,649
baseline
▲ 0.50% · 4.625%
HK$53,731
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,298/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,021
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,443
−HK$1,443/mo
Today · 4.125%
HK$55,886
baseline
▲ 0.50% · 4.625%
HK$58,832
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,772/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,192
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,971
−HK$1,808/mo
Today · 4.125%
HK$60,779
baseline
▲ 0.50% · 4.625%
HK$64,477
+HK$3,698/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,558/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,626
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,332
−HK$1,731/mo
Today · 4.125%
HK$67,063
baseline
▲ 0.50% · 4.625%
HK$70,598
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,126/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,724
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,800
−HK$2,108/mo
Today · 4.125%
HK$70,908
baseline
▲ 0.50% · 4.625%
HK$75,223
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,816/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,230
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,221
−HK$2,019/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$82,365
+HK$4,125/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,788
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,457
−HK$2,711/mo
Today · 4.125%
HK$91,168
baseline
▲ 0.50% · 4.625%
HK$96,715
+HK$5,547/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,336/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,439
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,998
−HK$2,597/mo
Today · 4.125%
HK$100,595
baseline
▲ 0.50% · 4.625%
HK$105,897
+HK$5,302/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,190/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,124 · Scale 2, in force from 26 Feb 2026)