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$47,421
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,896
−HK$1,499/mo
Today · 4.125%
HK$50,395
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,790/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,756
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,171
−HK$1,435/mo
Today · 4.125%
HK$55,606
baseline
▲ 0.50% · 4.625%
HK$58,537
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,212/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,906
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,676
−HK$1,798/mo
Today · 4.125%
HK$60,474
baseline
▲ 0.50% · 4.625%
HK$64,154
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,948/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,307
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,005
−HK$1,722/mo
Today · 4.125%
HK$66,727
baseline
▲ 0.50% · 4.625%
HK$70,244
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,454/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,390
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,455
−HK$2,098/mo
Today · 4.125%
HK$70,553
baseline
▲ 0.50% · 4.625%
HK$74,846
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,106/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,858
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,839
−HK$2,009/mo
Today · 4.125%
HK$77,848
baseline
▲ 0.50% · 4.625%
HK$81,952
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,696/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,013
−HK$2,698/mo
Today · 4.125%
HK$90,711
baseline
▲ 0.50% · 4.625%
HK$96,231
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,422/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,960
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,507
−HK$2,584/mo
Today · 4.125%
HK$100,091
baseline
▲ 0.50% · 4.625%
HK$105,367
+HK$5,276/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,182/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,646 · Scale 2, in force from 26 Feb 2026)