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$47,654
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,136
−HK$1,507/mo
Today · 4.125%
HK$50,643
baseline
▲ 0.50% · 4.625%
HK$53,724
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,286/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,015
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,437
−HK$1,442/mo
Today · 4.125%
HK$55,879
baseline
▲ 0.50% · 4.625%
HK$58,824
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,758/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,185
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,964
−HK$1,807/mo
Today · 4.125%
HK$60,771
baseline
▲ 0.50% · 4.625%
HK$64,469
+HK$3,698/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,542/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,618
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,324
−HK$1,731/mo
Today · 4.125%
HK$67,055
baseline
▲ 0.50% · 4.625%
HK$70,589
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,110/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,716
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,791
−HK$2,109/mo
Today · 4.125%
HK$70,900
baseline
▲ 0.50% · 4.625%
HK$75,214
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,800/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,221
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,211
−HK$2,020/mo
Today · 4.125%
HK$78,231
baseline
▲ 0.50% · 4.625%
HK$82,354
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,462/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,777
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,446
−HK$2,711/mo
Today · 4.125%
HK$91,157
baseline
▲ 0.50% · 4.625%
HK$96,703
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,314/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,427
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,986
−HK$2,596/mo
Today · 4.125%
HK$100,582
baseline
▲ 0.50% · 4.625%
HK$105,884
+HK$5,302/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,164/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,860 · Scale 2, in force from 26 Feb 2026)