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$47,669
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,152
−HK$1,506/mo
Today · 4.125%
HK$50,658
baseline
▲ 0.50% · 4.625%
HK$53,741
+HK$3,083/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,316/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,453
−HK$1,443/mo
Today · 4.125%
HK$55,896
baseline
▲ 0.50% · 4.625%
HK$58,843
+HK$2,947/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,792/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,203
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,982
−HK$1,808/mo
Today · 4.125%
HK$60,790
baseline
▲ 0.50% · 4.625%
HK$64,489
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,580/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,637
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,344
−HK$1,731/mo
Today · 4.125%
HK$67,075
baseline
▲ 0.50% · 4.625%
HK$70,611
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,150/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,736
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,812
−HK$2,109/mo
Today · 4.125%
HK$70,921
baseline
▲ 0.50% · 4.625%
HK$75,237
+HK$4,316/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,842/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,244
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,235
−HK$2,020/mo
Today · 4.125%
HK$78,255
baseline
▲ 0.50% · 4.625%
HK$82,380
+HK$4,125/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,510/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,804
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,473
−HK$2,712/mo
Today · 4.125%
HK$91,185
baseline
▲ 0.50% · 4.625%
HK$96,733
+HK$5,548/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,370/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,456
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,016
−HK$2,597/mo
Today · 4.125%
HK$100,613
baseline
▲ 0.50% · 4.625%
HK$105,917
+HK$5,304/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,226/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,504 · Scale 2, in force from 26 Feb 2026)