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$47,652
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,135
−HK$1,506/mo
Today · 4.125%
HK$50,641
baseline
▲ 0.50% · 4.625%
HK$53,722
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,282/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,013
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,435
−HK$1,442/mo
Today · 4.125%
HK$55,877
baseline
▲ 0.50% · 4.625%
HK$58,822
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,754/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,183
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,962
−HK$1,807/mo
Today · 4.125%
HK$60,769
baseline
▲ 0.50% · 4.625%
HK$64,466
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,538/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,615
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,322
−HK$1,730/mo
Today · 4.125%
HK$67,052
baseline
▲ 0.50% · 4.625%
HK$70,587
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,104/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,713
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,789
−HK$2,108/mo
Today · 4.125%
HK$70,897
baseline
▲ 0.50% · 4.625%
HK$75,211
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,794/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,218
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,209
−HK$2,019/mo
Today · 4.125%
HK$78,228
baseline
▲ 0.50% · 4.625%
HK$82,351
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,456/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,774
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,443
−HK$2,710/mo
Today · 4.125%
HK$91,153
baseline
▲ 0.50% · 4.625%
HK$96,700
+HK$5,547/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,306/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,423
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,982
−HK$2,597/mo
Today · 4.125%
HK$100,579
baseline
▲ 0.50% · 4.625%
HK$105,880
+HK$5,301/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,158/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,786 · Scale 2, in force from 26 Feb 2026)