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$47,439
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,915
−HK$1,499/mo
Today · 4.125%
HK$50,414
baseline
▲ 0.50% · 4.625%
HK$53,482
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,828/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,776
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,191
−HK$1,436/mo
Today · 4.125%
HK$55,627
baseline
▲ 0.50% · 4.625%
HK$58,559
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,254/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,927
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,698
−HK$1,799/mo
Today · 4.125%
HK$60,497
baseline
▲ 0.50% · 4.625%
HK$64,178
+HK$3,681/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,994/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,331
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,029
−HK$1,723/mo
Today · 4.125%
HK$66,752
baseline
▲ 0.50% · 4.625%
HK$70,271
+HK$3,519/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,504/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,415
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,481
−HK$2,099/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,874
+HK$4,294/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,886
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,868
−HK$2,010/mo
Today · 4.125%
HK$77,878
baseline
▲ 0.50% · 4.625%
HK$81,983
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,756/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,391
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,047
−HK$2,699/mo
Today · 4.125%
HK$90,746
baseline
▲ 0.50% · 4.625%
HK$96,267
+HK$5,521/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,492/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,996
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,544
−HK$2,585/mo
Today · 4.125%
HK$100,129
baseline
▲ 0.50% · 4.625%
HK$105,407
+HK$5,278/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,258/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,438 · Scale 2, in force from 26 Feb 2026)