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$47,676
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,159
−HK$1,507/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,749
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,040
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,443/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$58,852
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,212
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,991
−HK$1,808/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,499
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$1,732/mo
Today · 4.125%
HK$67,086
baseline
▲ 0.50% · 4.625%
HK$70,622
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,172/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,747
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,823
−HK$2,110/mo
Today · 4.125%
HK$70,933
baseline
▲ 0.50% · 4.625%
HK$75,249
+HK$4,316/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,866/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,255
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,247
−HK$2,020/mo
Today · 4.125%
HK$78,267
baseline
▲ 0.50% · 4.625%
HK$82,393
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,534/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,818
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,487
−HK$2,712/mo
Today · 4.125%
HK$91,199
baseline
▲ 0.50% · 4.625%
HK$96,748
+HK$5,549/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,398/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,471
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,032
−HK$2,597/mo
Today · 4.125%
HK$100,629
baseline
▲ 0.50% · 4.625%
HK$105,934
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,258/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,838 · Scale 2, in force from 26 Feb 2026)