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$47,651
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,133
−HK$1,506/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,720
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,011
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,442/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$58,820
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,181
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,959
−HK$1,808/mo
Today · 4.125%
HK$60,767
baseline
▲ 0.50% · 4.625%
HK$64,464
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,534/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,613
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,319
−HK$1,731/mo
Today · 4.125%
HK$67,050
baseline
▲ 0.50% · 4.625%
HK$70,584
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,100/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,711
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,786
−HK$2,108/mo
Today · 4.125%
HK$70,894
baseline
▲ 0.50% · 4.625%
HK$75,208
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,788/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,215
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,206
−HK$2,019/mo
Today · 4.125%
HK$78,225
baseline
▲ 0.50% · 4.625%
HK$82,348
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,450/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,771
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,439
−HK$2,711/mo
Today · 4.125%
HK$91,150
baseline
▲ 0.50% · 4.625%
HK$96,696
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,300/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,420
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,979
−HK$2,596/mo
Today · 4.125%
HK$100,575
baseline
▲ 0.50% · 4.625%
HK$105,876
+HK$5,301/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,150/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,707 · Scale 2, in force from 26 Feb 2026)