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$47,643
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,124
−HK$1,506/mo
Today · 4.125%
HK$50,630
baseline
▲ 0.50% · 4.625%
HK$53,711
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,260/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,002
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,423
−HK$1,442/mo
Today · 4.125%
HK$55,865
baseline
▲ 0.50% · 4.625%
HK$58,810
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,730/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,171
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,949
−HK$1,807/mo
Today · 4.125%
HK$60,756
baseline
▲ 0.50% · 4.625%
HK$64,453
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,512/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,602
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,308
−HK$1,730/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$70,572
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,700
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,774
−HK$2,108/mo
Today · 4.125%
HK$70,882
baseline
▲ 0.50% · 4.625%
HK$75,195
+HK$4,313/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,764/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,203
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,193
−HK$2,018/mo
Today · 4.125%
HK$78,211
baseline
▲ 0.50% · 4.625%
HK$82,334
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,422/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,424
−HK$2,710/mo
Today · 4.125%
HK$91,134
baseline
▲ 0.50% · 4.625%
HK$96,680
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,268/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,403
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,962
−HK$2,596/mo
Today · 4.125%
HK$100,558
baseline
▲ 0.50% · 4.625%
HK$105,858
+HK$5,300/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,116/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,350 · Scale 2, in force from 26 Feb 2026)