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$47,636
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,118
−HK$1,506/mo
Today · 4.125%
HK$50,624
baseline
▲ 0.50% · 4.625%
HK$53,704
+HK$3,080/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,248/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,995
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,416
−HK$1,442/mo
Today · 4.125%
HK$55,858
baseline
▲ 0.50% · 4.625%
HK$58,803
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,716/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,164
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,942
−HK$1,806/mo
Today · 4.125%
HK$60,748
baseline
▲ 0.50% · 4.625%
HK$64,445
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$121,496/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,594
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,300
−HK$1,730/mo
Today · 4.125%
HK$67,030
baseline
▲ 0.50% · 4.625%
HK$70,563
+HK$3,533/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$134,060/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,691
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,765
−HK$2,108/mo
Today · 4.125%
HK$70,873
baseline
▲ 0.50% · 4.625%
HK$75,186
+HK$4,313/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,746/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,193
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,183
−HK$2,018/mo
Today · 4.125%
HK$78,201
baseline
▲ 0.50% · 4.625%
HK$82,324
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,402/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,746
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,413
−HK$2,710/mo
Today · 4.125%
HK$91,123
baseline
▲ 0.50% · 4.625%
HK$96,667
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,246/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,391
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,949
−HK$2,596/mo
Today · 4.125%
HK$100,545
baseline
▲ 0.50% · 4.625%
HK$105,845
+HK$5,300/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,090/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,082 · Scale 2, in force from 26 Feb 2026)