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$47,677
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,160
−HK$1,507/mo
Today · 4.125%
HK$50,667
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,334/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,040
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,463
−HK$1,443/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$58,853
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,212
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,992
−HK$1,808/mo
Today · 4.125%
HK$60,800
baseline
▲ 0.50% · 4.625%
HK$64,500
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,600/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,355
−HK$1,732/mo
Today · 4.125%
HK$67,087
baseline
▲ 0.50% · 4.625%
HK$70,623
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,174/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,748
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,824
−HK$2,109/mo
Today · 4.125%
HK$70,933
baseline
▲ 0.50% · 4.625%
HK$75,250
+HK$4,317/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$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,256
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,248
−HK$2,020/mo
Today · 4.125%
HK$78,268
baseline
▲ 0.50% · 4.625%
HK$82,394
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,536/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,819
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,488
−HK$2,712/mo
Today · 4.125%
HK$91,200
baseline
▲ 0.50% · 4.625%
HK$96,749
+HK$5,549/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,400/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,472
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,033
−HK$2,597/mo
Today · 4.125%
HK$100,630
baseline
▲ 0.50% · 4.625%
HK$105,935
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,260/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,862 · Scale 2, in force from 26 Feb 2026)