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$47,437
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,912
−HK$1,499/mo
Today · 4.125%
HK$50,411
baseline
▲ 0.50% · 4.625%
HK$53,479
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,822/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,773
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,188
−HK$1,436/mo
Today · 4.125%
HK$55,624
baseline
▲ 0.50% · 4.625%
HK$58,556
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,248/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,924
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,695
−HK$1,799/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$64,175
+HK$3,681/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,988/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,327
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,723/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,267
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,498/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,411
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,477
−HK$2,099/mo
Today · 4.125%
HK$70,576
baseline
▲ 0.50% · 4.625%
HK$74,870
+HK$4,294/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,152/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,882
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,863
−HK$2,011/mo
Today · 4.125%
HK$77,874
baseline
▲ 0.50% · 4.625%
HK$81,978
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,748/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,386
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,042
−HK$2,698/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$96,262
+HK$5,522/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,991
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,539
−HK$2,584/mo
Today · 4.125%
HK$100,123
baseline
▲ 0.50% · 4.625%
HK$105,401
+HK$5,278/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,246/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,322 · Scale 2, in force from 26 Feb 2026)