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$47,648
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,130
−HK$1,505/mo
Today · 4.125%
HK$50,635
baseline
▲ 0.50% · 4.625%
HK$53,717
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,270/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,007
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,429
−HK$1,442/mo
Today · 4.125%
HK$55,871
baseline
▲ 0.50% · 4.625%
HK$58,816
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,742/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,956
−HK$1,807/mo
Today · 4.125%
HK$60,763
baseline
▲ 0.50% · 4.625%
HK$64,460
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,526/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,609
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,315
−HK$1,731/mo
Today · 4.125%
HK$67,046
baseline
▲ 0.50% · 4.625%
HK$70,580
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,092/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,707
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,782
−HK$2,108/mo
Today · 4.125%
HK$70,890
baseline
▲ 0.50% · 4.625%
HK$75,203
+HK$4,313/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,780/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,210
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,201
−HK$2,019/mo
Today · 4.125%
HK$78,220
baseline
▲ 0.50% · 4.625%
HK$82,343
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,440/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,766
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,433
−HK$2,711/mo
Today · 4.125%
HK$91,144
baseline
▲ 0.50% · 4.625%
HK$96,690
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,288/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,413
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,972
−HK$2,596/mo
Today · 4.125%
HK$100,568
baseline
▲ 0.50% · 4.625%
HK$105,869
+HK$5,301/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,136/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,570 · Scale 2, in force from 26 Feb 2026)