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$47,778
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,265
−HK$1,510/mo
Today · 4.125%
HK$50,775
baseline
▲ 0.50% · 4.625%
HK$53,864
+HK$3,089/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,550/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,153
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,579
−HK$1,446/mo
Today · 4.125%
HK$56,025
baseline
▲ 0.50% · 4.625%
HK$58,978
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,050/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,334
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,117
−HK$1,812/mo
Today · 4.125%
HK$60,929
baseline
▲ 0.50% · 4.625%
HK$64,637
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,858/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,784
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,494
−HK$1,736/mo
Today · 4.125%
HK$67,230
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,460/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,890
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,970
−HK$2,114/mo
Today · 4.125%
HK$71,084
baseline
▲ 0.50% · 4.625%
HK$75,410
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,168/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,414
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,410
−HK$2,025/mo
Today · 4.125%
HK$78,435
baseline
▲ 0.50% · 4.625%
HK$82,569
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,870/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,001
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,676
−HK$2,718/mo
Today · 4.125%
HK$91,394
baseline
▲ 0.50% · 4.625%
HK$96,955
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,788/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,675
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,241
−HK$2,603/mo
Today · 4.125%
HK$100,844
baseline
▲ 0.50% · 4.625%
HK$106,160
+HK$5,316/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,688/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,308 · Scale 2, in force from 26 Feb 2026)