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$47,430
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,905
−HK$1,499/mo
Today · 4.125%
HK$50,404
baseline
▲ 0.50% · 4.625%
HK$53,471
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,808/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,765
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,180
−HK$1,436/mo
Today · 4.125%
HK$55,616
baseline
▲ 0.50% · 4.625%
HK$58,548
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,232/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,916
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,799/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$64,165
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,016
−HK$1,723/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,257
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,402
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,467
−HK$2,099/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,860
+HK$4,294/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,871
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,853
−HK$2,009/mo
Today · 4.125%
HK$77,862
baseline
▲ 0.50% · 4.625%
HK$81,967
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,724/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,374
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,029
−HK$2,698/mo
Today · 4.125%
HK$90,727
baseline
▲ 0.50% · 4.625%
HK$96,248
+HK$5,521/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,454/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,977
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,525
−HK$2,584/mo
Today · 4.125%
HK$100,109
baseline
▲ 0.50% · 4.625%
HK$105,386
+HK$5,277/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,218/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,024 · Scale 2, in force from 26 Feb 2026)