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$47,638
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,120
−HK$1,505/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,997
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,418
−HK$1,442/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$58,804
+HK$2,944/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,165
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,944
−HK$1,806/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$64,447
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,596
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,302
−HK$1,730/mo
Today · 4.125%
HK$67,032
baseline
▲ 0.50% · 4.625%
HK$70,565
+HK$3,533/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$134,064/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,693
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,767
−HK$2,108/mo
Today · 4.125%
HK$70,875
baseline
▲ 0.50% · 4.625%
HK$75,188
+HK$4,313/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,750/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,195
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,185
−HK$2,019/mo
Today · 4.125%
HK$78,204
baseline
▲ 0.50% · 4.625%
HK$82,326
+HK$4,122/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,408/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,748
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,415
−HK$2,710/mo
Today · 4.125%
HK$91,125
baseline
▲ 0.50% · 4.625%
HK$96,670
+HK$5,545/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,250/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,394
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,952
−HK$2,596/mo
Today · 4.125%
HK$100,548
baseline
▲ 0.50% · 4.625%
HK$105,848
+HK$5,300/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,096/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,144 · Scale 2, in force from 26 Feb 2026)