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$47,664
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,147
−HK$1,506/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,735
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,026
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,448
−HK$1,442/mo
Today · 4.125%
HK$55,890
baseline
▲ 0.50% · 4.625%
HK$58,837
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,780/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,197
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,976
−HK$1,807/mo
Today · 4.125%
HK$60,783
baseline
▲ 0.50% · 4.625%
HK$64,482
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,566/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,631
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,337
−HK$1,732/mo
Today · 4.125%
HK$67,069
baseline
▲ 0.50% · 4.625%
HK$70,604
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,138/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,730
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,805
−HK$2,109/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$75,229
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,236
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,227
−HK$2,020/mo
Today · 4.125%
HK$78,247
baseline
▲ 0.50% · 4.625%
HK$82,371
+HK$4,124/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,494/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,795
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,464
−HK$2,711/mo
Today · 4.125%
HK$91,175
baseline
▲ 0.50% · 4.625%
HK$96,723
+HK$5,548/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,350/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,446
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,006
−HK$2,597/mo
Today · 4.125%
HK$100,603
baseline
▲ 0.50% · 4.625%
HK$105,906
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,206/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,290 · Scale 2, in force from 26 Feb 2026)