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$47,442
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,918
−HK$1,499/mo
Today · 4.125%
HK$50,417
baseline
▲ 0.50% · 4.625%
HK$53,485
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,834/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,779
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,195
−HK$1,436/mo
Today · 4.125%
HK$55,631
baseline
▲ 0.50% · 4.625%
HK$58,563
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,262/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,931
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,702
−HK$1,799/mo
Today · 4.125%
HK$60,501
baseline
▲ 0.50% · 4.625%
HK$64,182
+HK$3,681/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$121,002/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,335
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,034
−HK$1,723/mo
Today · 4.125%
HK$66,757
baseline
▲ 0.50% · 4.625%
HK$70,276
+HK$3,519/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,514/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,419
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,485
−HK$2,099/mo
Today · 4.125%
HK$70,584
baseline
▲ 0.50% · 4.625%
HK$74,879
+HK$4,295/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,168/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,891
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,873
−HK$2,010/mo
Today · 4.125%
HK$77,883
baseline
▲ 0.50% · 4.625%
HK$81,988
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,766/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,396
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,053
−HK$2,698/mo
Today · 4.125%
HK$90,751
baseline
▲ 0.50% · 4.625%
HK$96,273
+HK$5,522/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,502/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,002
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,550
−HK$2,585/mo
Today · 4.125%
HK$100,135
baseline
▲ 0.50% · 4.625%
HK$105,413
+HK$5,278/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,270/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,572 · Scale 2, in force from 26 Feb 2026)