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$47,412
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,887
−HK$1,499/mo
Today · 4.125%
HK$50,386
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$3,065/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,772/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,746
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,160
−HK$1,435/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,526
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,895
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,665
−HK$1,798/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$64,142
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,295
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,992
−HK$1,723/mo
Today · 4.125%
HK$66,715
baseline
▲ 0.50% · 4.625%
HK$70,231
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,430/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,377
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,442
−HK$2,098/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,832
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,844
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,825
−HK$2,009/mo
Today · 4.125%
HK$77,834
baseline
▲ 0.50% · 4.625%
HK$81,936
+HK$4,102/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,668/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,342
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,997
−HK$2,697/mo
Today · 4.125%
HK$90,694
baseline
▲ 0.50% · 4.625%
HK$96,212
+HK$5,518/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,388/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,942
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,489
−HK$2,583/mo
Today · 4.125%
HK$100,072
baseline
▲ 0.50% · 4.625%
HK$105,347
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,144/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,256 · Scale 2, in force from 26 Feb 2026)