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$47,665
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,148
−HK$1,507/mo
Today · 4.125%
HK$50,655
baseline
▲ 0.50% · 4.625%
HK$53,737
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,310/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,027
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,450
−HK$1,442/mo
Today · 4.125%
HK$55,892
baseline
▲ 0.50% · 4.625%
HK$58,838
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,784/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,199
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,978
−HK$1,807/mo
Today · 4.125%
HK$60,785
baseline
▲ 0.50% · 4.625%
HK$64,484
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,570/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,633
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,339
−HK$1,732/mo
Today · 4.125%
HK$67,071
baseline
▲ 0.50% · 4.625%
HK$70,606
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,142/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,732
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,807
−HK$2,109/mo
Today · 4.125%
HK$70,916
baseline
▲ 0.50% · 4.625%
HK$75,231
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,832/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,238
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,229
−HK$2,020/mo
Today · 4.125%
HK$78,249
baseline
▲ 0.50% · 4.625%
HK$82,374
+HK$4,125/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,498/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,798
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,467
−HK$2,711/mo
Today · 4.125%
HK$91,178
baseline
▲ 0.50% · 4.625%
HK$96,726
+HK$5,548/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,356/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,449
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,009
−HK$2,597/mo
Today · 4.125%
HK$100,606
baseline
▲ 0.50% · 4.625%
HK$105,909
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,212/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,356 · Scale 2, in force from 26 Feb 2026)