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$47,777
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,263
−HK$1,510/mo
Today · 4.125%
HK$50,773
baseline
▲ 0.50% · 4.625%
HK$53,862
+HK$3,089/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,546/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,151
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,577
−HK$1,446/mo
Today · 4.125%
HK$56,023
baseline
▲ 0.50% · 4.625%
HK$58,976
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,046/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,332
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,811/mo
Today · 4.125%
HK$60,927
baseline
▲ 0.50% · 4.625%
HK$64,635
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,854/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,782
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,492
−HK$1,735/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$70,771
+HK$3,544/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,888
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,968
−HK$2,114/mo
Today · 4.125%
HK$71,082
baseline
▲ 0.50% · 4.625%
HK$75,407
+HK$4,325/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,164/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,412
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,407
−HK$2,025/mo
Today · 4.125%
HK$78,432
baseline
▲ 0.50% · 4.625%
HK$82,566
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,864/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,998
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,673
−HK$2,718/mo
Today · 4.125%
HK$91,391
baseline
▲ 0.50% · 4.625%
HK$96,952
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,782/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,672
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,238
−HK$2,603/mo
Today · 4.125%
HK$100,841
baseline
▲ 0.50% · 4.625%
HK$106,157
+HK$5,316/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,682/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,241 · Scale 2, in force from 26 Feb 2026)