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$47,649
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,131
−HK$1,506/mo
Today · 4.125%
HK$50,637
baseline
▲ 0.50% · 4.625%
HK$53,719
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,274/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,009
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,431
−HK$1,442/mo
Today · 4.125%
HK$55,873
baseline
▲ 0.50% · 4.625%
HK$58,818
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,746/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,179
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,958
−HK$1,807/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$64,462
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,611
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,317
−HK$1,731/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$70,582
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,709
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,784
−HK$2,108/mo
Today · 4.125%
HK$70,892
baseline
▲ 0.50% · 4.625%
HK$75,206
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,784/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,213
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,203
−HK$2,020/mo
Today · 4.125%
HK$78,223
baseline
▲ 0.50% · 4.625%
HK$82,346
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,446/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,769
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,437
−HK$2,710/mo
Today · 4.125%
HK$91,147
baseline
▲ 0.50% · 4.625%
HK$96,693
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,294/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,417
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,976
−HK$2,596/mo
Today · 4.125%
HK$100,572
baseline
▲ 0.50% · 4.625%
HK$105,873
+HK$5,301/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,144/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,648 · Scale 2, in force from 26 Feb 2026)