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$47,671
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,154
−HK$1,506/mo
Today · 4.125%
HK$50,660
baseline
▲ 0.50% · 4.625%
HK$53,743
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,320/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,033
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,456
−HK$1,443/mo
Today · 4.125%
HK$55,899
baseline
▲ 0.50% · 4.625%
HK$58,845
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,798/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,205
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,985
−HK$1,807/mo
Today · 4.125%
HK$60,792
baseline
▲ 0.50% · 4.625%
HK$64,492
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,584/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,640
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,347
−HK$1,731/mo
Today · 4.125%
HK$67,078
baseline
▲ 0.50% · 4.625%
HK$70,614
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,156/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,739
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,815
−HK$2,110/mo
Today · 4.125%
HK$70,925
baseline
▲ 0.50% · 4.625%
HK$75,240
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,850/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,247
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,238
−HK$2,020/mo
Today · 4.125%
HK$78,258
baseline
▲ 0.50% · 4.625%
HK$82,383
+HK$4,125/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,516/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,808
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,477
−HK$2,712/mo
Today · 4.125%
HK$91,189
baseline
▲ 0.50% · 4.625%
HK$96,737
+HK$5,548/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,378/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,460
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,020
−HK$2,598/mo
Today · 4.125%
HK$100,618
baseline
▲ 0.50% · 4.625%
HK$105,921
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,236/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,597 · Scale 2, in force from 26 Feb 2026)