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$47,784
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,270
−HK$1,510/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,870
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,159
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,446/mo
Today · 4.125%
HK$56,031
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,062/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,341
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,124
−HK$1,812/mo
Today · 4.125%
HK$60,936
baseline
▲ 0.50% · 4.625%
HK$64,644
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,872/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,791
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,502
−HK$1,735/mo
Today · 4.125%
HK$67,237
baseline
▲ 0.50% · 4.625%
HK$70,782
+HK$3,545/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,474/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,897
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,978
−HK$2,114/mo
Today · 4.125%
HK$71,092
baseline
▲ 0.50% · 4.625%
HK$75,418
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,184/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,423
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,419
−HK$2,025/mo
Today · 4.125%
HK$78,444
baseline
▲ 0.50% · 4.625%
HK$82,578
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,888/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,011
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,686
−HK$2,719/mo
Today · 4.125%
HK$91,405
baseline
▲ 0.50% · 4.625%
HK$96,966
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,810/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,686
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,253
−HK$2,603/mo
Today · 4.125%
HK$100,856
baseline
▲ 0.50% · 4.625%
HK$106,172
+HK$5,316/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,712/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,549 · Scale 2, in force from 26 Feb 2026)