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$47,672
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,155
−HK$1,506/mo
Today · 4.125%
HK$50,661
baseline
▲ 0.50% · 4.625%
HK$53,744
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,322/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,034
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,457
−HK$1,443/mo
Today · 4.125%
HK$55,900
baseline
▲ 0.50% · 4.625%
HK$58,846
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,800/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,206
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,985
−HK$1,808/mo
Today · 4.125%
HK$60,793
baseline
▲ 0.50% · 4.625%
HK$64,492
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,586/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,641
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,348
−HK$1,731/mo
Today · 4.125%
HK$67,079
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,158/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,740
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,816
−HK$2,110/mo
Today · 4.125%
HK$70,926
baseline
▲ 0.50% · 4.625%
HK$75,241
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,852/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,248
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,239
−HK$2,020/mo
Today · 4.125%
HK$78,259
baseline
▲ 0.50% · 4.625%
HK$82,384
+HK$4,125/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,518/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,809
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,478
−HK$2,712/mo
Today · 4.125%
HK$91,190
baseline
▲ 0.50% · 4.625%
HK$96,739
+HK$5,549/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,380/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,462
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,022
−HK$2,597/mo
Today · 4.125%
HK$100,619
baseline
▲ 0.50% · 4.625%
HK$105,923
+HK$5,304/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,238/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,627 · Scale 2, in force from 26 Feb 2026)