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$47,642
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,124
−HK$1,506/mo
Today · 4.125%
HK$50,630
baseline
▲ 0.50% · 4.625%
HK$53,710
+HK$3,080/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,260/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,001
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,423
−HK$1,442/mo
Today · 4.125%
HK$55,865
baseline
▲ 0.50% · 4.625%
HK$58,809
+HK$2,944/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,730/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,170
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,949
−HK$1,806/mo
Today · 4.125%
HK$60,755
baseline
▲ 0.50% · 4.625%
HK$64,452
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,510/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,601
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,307
−HK$1,731/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$70,571
+HK$3,533/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,699
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$2,108/mo
Today · 4.125%
HK$70,881
baseline
▲ 0.50% · 4.625%
HK$75,194
+HK$4,313/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,762/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,202
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,192
−HK$2,019/mo
Today · 4.125%
HK$78,211
baseline
▲ 0.50% · 4.625%
HK$82,333
+HK$4,122/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,422/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,756
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,423
−HK$2,710/mo
Today · 4.125%
HK$91,133
baseline
▲ 0.50% · 4.625%
HK$96,678
+HK$5,545/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,266/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,402
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,961
−HK$2,595/mo
Today · 4.125%
HK$100,556
baseline
▲ 0.50% · 4.625%
HK$105,857
+HK$5,301/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,112/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,325 · Scale 2, in force from 26 Feb 2026)