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$47,408
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,882
−HK$1,499/mo
Today · 4.125%
HK$50,381
baseline
▲ 0.50% · 4.625%
HK$53,446
+HK$3,065/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,762/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,741
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,155
−HK$1,435/mo
Today · 4.125%
HK$55,590
baseline
▲ 0.50% · 4.625%
HK$58,520
+HK$2,930/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,180/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,889
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,659
−HK$1,798/mo
Today · 4.125%
HK$60,457
baseline
▲ 0.50% · 4.625%
HK$64,135
+HK$3,678/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$120,914/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,289
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,986
−HK$1,722/mo
Today · 4.125%
HK$66,708
baseline
▲ 0.50% · 4.625%
HK$70,224
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$133,416/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,371
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,435
−HK$2,098/mo
Today · 4.125%
HK$70,533
baseline
▲ 0.50% · 4.625%
HK$74,825
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,066/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,837
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,817
−HK$2,009/mo
Today · 4.125%
HK$77,826
baseline
▲ 0.50% · 4.625%
HK$81,928
+HK$4,102/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,652/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,334
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,988
−HK$2,697/mo
Today · 4.125%
HK$90,685
baseline
▲ 0.50% · 4.625%
HK$96,203
+HK$5,518/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,370/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,933
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,479
−HK$2,583/mo
Today · 4.125%
HK$100,062
baseline
▲ 0.50% · 4.625%
HK$105,337
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,124/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,054 · Scale 2, in force from 26 Feb 2026)