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$47,679
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,162
−HK$1,507/mo
Today · 4.125%
HK$50,669
baseline
▲ 0.50% · 4.625%
HK$53,752
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,338/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,465
−HK$1,443/mo
Today · 4.125%
HK$55,908
baseline
▲ 0.50% · 4.625%
HK$58,855
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,816/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,215
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,809/mo
Today · 4.125%
HK$60,803
baseline
▲ 0.50% · 4.625%
HK$64,502
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,606/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,651
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,358
−HK$1,732/mo
Today · 4.125%
HK$67,090
baseline
▲ 0.50% · 4.625%
HK$70,626
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,180/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,750
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,827
−HK$2,109/mo
Today · 4.125%
HK$70,936
baseline
▲ 0.50% · 4.625%
HK$75,253
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,872/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,259
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,251
−HK$2,020/mo
Today · 4.125%
HK$78,271
baseline
▲ 0.50% · 4.625%
HK$82,397
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,542/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,822
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,492
−HK$2,712/mo
Today · 4.125%
HK$91,204
baseline
▲ 0.50% · 4.625%
HK$96,753
+HK$5,549/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,408/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,476
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,037
−HK$2,597/mo
Today · 4.125%
HK$100,634
baseline
▲ 0.50% · 4.625%
HK$105,939
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,268/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,945 · Scale 2, in force from 26 Feb 2026)