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$47,665
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,147
−HK$1,507/mo
Today · 4.125%
HK$50,654
baseline
▲ 0.50% · 4.625%
HK$53,736
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,308/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,027
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,449
−HK$1,442/mo
Today · 4.125%
HK$55,891
baseline
▲ 0.50% · 4.625%
HK$58,837
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,782/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,198
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,977
−HK$1,807/mo
Today · 4.125%
HK$60,784
baseline
▲ 0.50% · 4.625%
HK$64,483
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,568/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,632
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,338
−HK$1,732/mo
Today · 4.125%
HK$67,070
baseline
▲ 0.50% · 4.625%
HK$70,605
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,140/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,806
−HK$2,109/mo
Today · 4.125%
HK$70,915
baseline
▲ 0.50% · 4.625%
HK$75,230
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,830/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,237
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,228
−HK$2,020/mo
Today · 4.125%
HK$78,248
baseline
▲ 0.50% · 4.625%
HK$82,372
+HK$4,124/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,496/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,796
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,465
−HK$2,712/mo
Today · 4.125%
HK$91,177
baseline
▲ 0.50% · 4.625%
HK$96,725
+HK$5,548/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,354/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,448
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,008
−HK$2,596/mo
Today · 4.125%
HK$100,604
baseline
▲ 0.50% · 4.625%
HK$105,907
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,208/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,323 · Scale 2, in force from 26 Feb 2026)