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$47,656
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,138
−HK$1,506/mo
Today · 4.125%
HK$50,644
baseline
▲ 0.50% · 4.625%
HK$53,726
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,288/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,017
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,439
−HK$1,442/mo
Today · 4.125%
HK$55,881
baseline
▲ 0.50% · 4.625%
HK$58,827
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,762/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,187
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,966
−HK$1,807/mo
Today · 4.125%
HK$60,773
baseline
▲ 0.50% · 4.625%
HK$64,471
+HK$3,698/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,546/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,620
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,326
−HK$1,731/mo
Today · 4.125%
HK$67,057
baseline
▲ 0.50% · 4.625%
HK$70,592
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,114/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,718
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,794
−HK$2,108/mo
Today · 4.125%
HK$70,902
baseline
▲ 0.50% · 4.625%
HK$75,216
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,804/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,223
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,214
−HK$2,020/mo
Today · 4.125%
HK$78,234
baseline
▲ 0.50% · 4.625%
HK$82,357
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,468/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,781
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,449
−HK$2,711/mo
Today · 4.125%
HK$91,160
baseline
▲ 0.50% · 4.625%
HK$96,707
+HK$5,547/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,320/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,430
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,990
−HK$2,596/mo
Today · 4.125%
HK$100,586
baseline
▲ 0.50% · 4.625%
HK$105,888
+HK$5,302/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,172/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,939 · Scale 2, in force from 26 Feb 2026)