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$47,668
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,150
−HK$1,507/mo
Today · 4.125%
HK$50,657
baseline
▲ 0.50% · 4.625%
HK$53,739
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,314/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,030
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,452
−HK$1,443/mo
Today · 4.125%
HK$55,895
baseline
▲ 0.50% · 4.625%
HK$58,841
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,790/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,201
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,980
−HK$1,808/mo
Today · 4.125%
HK$60,788
baseline
▲ 0.50% · 4.625%
HK$64,487
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,576/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,636
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,342
−HK$1,732/mo
Today · 4.125%
HK$67,074
baseline
▲ 0.50% · 4.625%
HK$70,609
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,148/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,735
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,810
−HK$2,109/mo
Today · 4.125%
HK$70,919
baseline
▲ 0.50% · 4.625%
HK$75,235
+HK$4,316/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,838/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,242
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,233
−HK$2,020/mo
Today · 4.125%
HK$78,253
baseline
▲ 0.50% · 4.625%
HK$82,377
+HK$4,124/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,506/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,802
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,471
−HK$2,711/mo
Today · 4.125%
HK$91,182
baseline
▲ 0.50% · 4.625%
HK$96,730
+HK$5,548/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,364/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,454
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,014
−HK$2,597/mo
Today · 4.125%
HK$100,611
baseline
▲ 0.50% · 4.625%
HK$105,914
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,222/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,450 · Scale 2, in force from 26 Feb 2026)