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$47,674
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,506/mo
Today · 4.125%
HK$50,663
baseline
▲ 0.50% · 4.625%
HK$53,746
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,326/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,037
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,459
−HK$1,443/mo
Today · 4.125%
HK$55,902
baseline
▲ 0.50% · 4.625%
HK$58,849
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,804/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,808/mo
Today · 4.125%
HK$60,796
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,592/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,644
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,351
−HK$1,731/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,743
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,819
−HK$2,110/mo
Today · 4.125%
HK$70,929
baseline
▲ 0.50% · 4.625%
HK$75,244
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,858/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,251
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,242
−HK$2,021/mo
Today · 4.125%
HK$78,263
baseline
▲ 0.50% · 4.625%
HK$82,388
+HK$4,125/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,526/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,813
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,482
−HK$2,712/mo
Today · 4.125%
HK$91,194
baseline
▲ 0.50% · 4.625%
HK$96,743
+HK$5,549/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,388/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,466
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,026
−HK$2,597/mo
Today · 4.125%
HK$100,623
baseline
▲ 0.50% · 4.625%
HK$105,927
+HK$5,304/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,246/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,717 · Scale 2, in force from 26 Feb 2026)