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$47,658
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,141
−HK$1,506/mo
Today · 4.125%
HK$50,647
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,294/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,020
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,442
−HK$1,442/mo
Today · 4.125%
HK$55,884
baseline
▲ 0.50% · 4.625%
HK$58,830
+HK$2,946/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,768/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,190
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,969
−HK$1,807/mo
Today · 4.125%
HK$60,776
baseline
▲ 0.50% · 4.625%
HK$64,475
+HK$3,699/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,552/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,623
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,330
−HK$1,731/mo
Today · 4.125%
HK$67,061
baseline
▲ 0.50% · 4.625%
HK$70,596
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,122/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,722
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,797
−HK$2,109/mo
Today · 4.125%
HK$70,906
baseline
▲ 0.50% · 4.625%
HK$75,220
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,812/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,227
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,218
−HK$2,020/mo
Today · 4.125%
HK$78,238
baseline
▲ 0.50% · 4.625%
HK$82,362
+HK$4,124/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,476/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,785
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,454
−HK$2,711/mo
Today · 4.125%
HK$91,165
baseline
▲ 0.50% · 4.625%
HK$96,712
+HK$5,547/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,330/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,435
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,995
−HK$2,596/mo
Today · 4.125%
HK$100,591
baseline
▲ 0.50% · 4.625%
HK$105,894
+HK$5,303/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,182/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,049 · Scale 2, in force from 26 Feb 2026)