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$2,988/mo
▼ 0.25% · 3.875%
HK$49,125
−HK$1,506/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,712
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,002
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,424
−HK$1,442/mo
Today · 4.125%
HK$55,866
baseline
▲ 0.50% · 4.625%
HK$58,811
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,732/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,172
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,807/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$64,454
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,603
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,309
−HK$1,730/mo
Today · 4.125%
HK$67,039
baseline
▲ 0.50% · 4.625%
HK$70,573
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,078/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,700
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,775
−HK$2,108/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$75,196
+HK$4,313/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,203
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,194
−HK$2,018/mo
Today · 4.125%
HK$78,212
baseline
▲ 0.50% · 4.625%
HK$82,335
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,424/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,758
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,425
−HK$2,710/mo
Today · 4.125%
HK$91,135
baseline
▲ 0.50% · 4.625%
HK$96,681
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,270/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,404
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,963
−HK$2,596/mo
Today · 4.125%
HK$100,559
baseline
▲ 0.50% · 4.625%
HK$105,859
+HK$5,300/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,118/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,375 · Scale 2, in force from 26 Feb 2026)