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$47,650
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,132
−HK$1,506/mo
Today · 4.125%
HK$50,638
baseline
▲ 0.50% · 4.625%
HK$53,719
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,276/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,010
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,432
−HK$1,442/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$58,819
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,180
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,958
−HK$1,808/mo
Today · 4.125%
HK$60,766
baseline
▲ 0.50% · 4.625%
HK$64,463
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,532/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,612
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,318
−HK$1,731/mo
Today · 4.125%
HK$67,049
baseline
▲ 0.50% · 4.625%
HK$70,583
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,098/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,710
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,785
−HK$2,108/mo
Today · 4.125%
HK$70,893
baseline
▲ 0.50% · 4.625%
HK$75,207
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,786/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,214
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,204
−HK$2,020/mo
Today · 4.125%
HK$78,224
baseline
▲ 0.50% · 4.625%
HK$82,347
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,448/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,770
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,438
−HK$2,710/mo
Today · 4.125%
HK$91,148
baseline
▲ 0.50% · 4.625%
HK$96,694
+HK$5,546/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,296/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,418
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,977
−HK$2,596/mo
Today · 4.125%
HK$100,573
baseline
▲ 0.50% · 4.625%
HK$105,874
+HK$5,301/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,146/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,672 · Scale 2, in force from 26 Feb 2026)