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$47,419
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,498/mo
Today · 4.125%
HK$50,392
baseline
▲ 0.50% · 4.625%
HK$53,459
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,784/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,753
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,168
−HK$1,435/mo
Today · 4.125%
HK$55,603
baseline
▲ 0.50% · 4.625%
HK$58,534
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,206/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,903
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,798/mo
Today · 4.125%
HK$60,471
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,942/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,304
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,001
−HK$1,723/mo
Today · 4.125%
HK$66,724
baseline
▲ 0.50% · 4.625%
HK$70,241
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,448/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,386
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,451
−HK$2,098/mo
Today · 4.125%
HK$70,549
baseline
▲ 0.50% · 4.625%
HK$74,842
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,098/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,854
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,835
−HK$2,009/mo
Today · 4.125%
HK$77,844
baseline
▲ 0.50% · 4.625%
HK$81,948
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,688/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,354
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,009
−HK$2,697/mo
Today · 4.125%
HK$90,706
baseline
▲ 0.50% · 4.625%
HK$96,226
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,412/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,955
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,502
−HK$2,584/mo
Today · 4.125%
HK$100,086
baseline
▲ 0.50% · 4.625%
HK$105,361
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,172/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,540 · Scale 2, in force from 26 Feb 2026)