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$47,675
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,158
−HK$1,506/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,038
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,460
−HK$1,443/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$58,850
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,210
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,989
−HK$1,808/mo
Today · 4.125%
HK$60,797
baseline
▲ 0.50% · 4.625%
HK$64,497
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,594/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,645
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,352
−HK$1,732/mo
Today · 4.125%
HK$67,084
baseline
▲ 0.50% · 4.625%
HK$70,620
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,168/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,745
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,821
−HK$2,109/mo
Today · 4.125%
HK$70,930
baseline
▲ 0.50% · 4.625%
HK$75,246
+HK$4,316/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,860/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,253
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,244
−HK$2,020/mo
Today · 4.125%
HK$78,264
baseline
▲ 0.50% · 4.625%
HK$82,390
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,528/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,815
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,484
−HK$2,712/mo
Today · 4.125%
HK$91,196
baseline
▲ 0.50% · 4.625%
HK$96,745
+HK$5,549/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,392/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,468
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,028
−HK$2,598/mo
Today · 4.125%
HK$100,626
baseline
▲ 0.50% · 4.625%
HK$105,930
+HK$5,304/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,252/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,766 · Scale 2, in force from 26 Feb 2026)