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$47,424
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,900
−HK$1,498/mo
Today · 4.125%
HK$50,398
baseline
▲ 0.50% · 4.625%
HK$53,465
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,796/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,759
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,174
−HK$1,436/mo
Today · 4.125%
HK$55,610
baseline
▲ 0.50% · 4.625%
HK$58,541
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,220/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,909
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,679
−HK$1,799/mo
Today · 4.125%
HK$60,478
baseline
▲ 0.50% · 4.625%
HK$64,158
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,956/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,311
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,009
−HK$1,722/mo
Today · 4.125%
HK$66,731
baseline
▲ 0.50% · 4.625%
HK$70,249
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,462/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,394
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,459
−HK$2,099/mo
Today · 4.125%
HK$70,558
baseline
▲ 0.50% · 4.625%
HK$74,851
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,116/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,863
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,844
−HK$2,009/mo
Today · 4.125%
HK$77,853
baseline
▲ 0.50% · 4.625%
HK$81,957
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,706/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,364
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,019
−HK$2,698/mo
Today · 4.125%
HK$90,717
baseline
▲ 0.50% · 4.625%
HK$96,237
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,434/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,966
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,513
−HK$2,584/mo
Today · 4.125%
HK$100,097
baseline
▲ 0.50% · 4.625%
HK$105,373
+HK$5,276/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,194/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,783 · Scale 2, in force from 26 Feb 2026)