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$47,410
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,884
−HK$1,499/mo
Today · 4.125%
HK$50,383
baseline
▲ 0.50% · 4.625%
HK$53,448
+HK$3,065/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,766/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,743
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,157
−HK$1,435/mo
Today · 4.125%
HK$55,592
baseline
▲ 0.50% · 4.625%
HK$58,523
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,184/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,892
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,661
−HK$1,798/mo
Today · 4.125%
HK$60,459
baseline
▲ 0.50% · 4.625%
HK$64,138
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$120,918/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,291
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,989
−HK$1,722/mo
Today · 4.125%
HK$66,711
baseline
▲ 0.50% · 4.625%
HK$70,227
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$133,422/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,374
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,438
−HK$2,098/mo
Today · 4.125%
HK$70,536
baseline
▲ 0.50% · 4.625%
HK$74,828
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,072/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,840
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,820
−HK$2,009/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$81,932
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,338
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,992
−HK$2,697/mo
Today · 4.125%
HK$90,689
baseline
▲ 0.50% · 4.625%
HK$96,207
+HK$5,518/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,378/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,937
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,483
−HK$2,583/mo
Today · 4.125%
HK$100,066
baseline
▲ 0.50% · 4.625%
HK$105,341
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,132/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,143 · Scale 2, in force from 26 Feb 2026)