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$47,662
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,144
−HK$1,506/mo
Today · 4.125%
HK$50,650
baseline
▲ 0.50% · 4.625%
HK$53,732
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,300/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,023
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,445
−HK$1,443/mo
Today · 4.125%
HK$55,888
baseline
▲ 0.50% · 4.625%
HK$58,834
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,776/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,194
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,973
−HK$1,808/mo
Today · 4.125%
HK$60,781
baseline
▲ 0.50% · 4.625%
HK$64,479
+HK$3,698/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,562/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,628
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$1,731/mo
Today · 4.125%
HK$67,065
baseline
▲ 0.50% · 4.625%
HK$70,600
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,130/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,726
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,802
−HK$2,109/mo
Today · 4.125%
HK$70,911
baseline
▲ 0.50% · 4.625%
HK$75,225
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,822/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,232
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,223
−HK$2,020/mo
Today · 4.125%
HK$78,243
baseline
▲ 0.50% · 4.625%
HK$82,367
+HK$4,124/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,486/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,791
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,460
−HK$2,711/mo
Today · 4.125%
HK$91,171
baseline
▲ 0.50% · 4.625%
HK$96,718
+HK$5,547/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,342/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,442
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,001
−HK$2,597/mo
Today · 4.125%
HK$100,598
baseline
▲ 0.50% · 4.625%
HK$105,901
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,196/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,188 · Scale 2, in force from 26 Feb 2026)