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$47,427
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,499/mo
Today · 4.125%
HK$50,401
baseline
▲ 0.50% · 4.625%
HK$53,468
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,802/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,762
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,177
−HK$1,435/mo
Today · 4.125%
HK$55,612
baseline
▲ 0.50% · 4.625%
HK$58,544
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,224/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,682
−HK$1,799/mo
Today · 4.125%
HK$60,481
baseline
▲ 0.50% · 4.625%
HK$64,161
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,962/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,314
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,723/mo
Today · 4.125%
HK$66,735
baseline
▲ 0.50% · 4.625%
HK$70,253
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,470/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,398
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,463
−HK$2,098/mo
Today · 4.125%
HK$70,561
baseline
▲ 0.50% · 4.625%
HK$74,855
+HK$4,294/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,122/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,867
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,848
−HK$2,009/mo
Today · 4.125%
HK$77,857
baseline
▲ 0.50% · 4.625%
HK$81,961
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,714/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,368
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,024
−HK$2,698/mo
Today · 4.125%
HK$90,722
baseline
▲ 0.50% · 4.625%
HK$96,242
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,444/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,971
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,518
−HK$2,584/mo
Today · 4.125%
HK$100,102
baseline
▲ 0.50% · 4.625%
HK$105,379
+HK$5,277/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,204/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,889 · Scale 2, in force from 26 Feb 2026)