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$47,451
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,927
−HK$1,499/mo
Today · 4.125%
HK$50,426
baseline
▲ 0.50% · 4.625%
HK$53,495
+HK$3,069/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,852/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,788
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,204
−HK$1,436/mo
Today · 4.125%
HK$55,640
baseline
▲ 0.50% · 4.625%
HK$58,573
+HK$2,933/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,280/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,712
−HK$1,799/mo
Today · 4.125%
HK$60,511
baseline
▲ 0.50% · 4.625%
HK$64,193
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,022/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,346
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,045
−HK$1,723/mo
Today · 4.125%
HK$66,768
baseline
▲ 0.50% · 4.625%
HK$70,288
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,536/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,497
−HK$2,100/mo
Today · 4.125%
HK$70,597
baseline
▲ 0.50% · 4.625%
HK$74,892
+HK$4,295/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,194/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,904
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,886
−HK$2,011/mo
Today · 4.125%
HK$77,897
baseline
▲ 0.50% · 4.625%
HK$82,003
+HK$4,106/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,794/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,411
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,068
−HK$2,699/mo
Today · 4.125%
HK$90,767
baseline
▲ 0.50% · 4.625%
HK$96,290
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,534/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,019
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,567
−HK$2,586/mo
Today · 4.125%
HK$100,153
baseline
▲ 0.50% · 4.625%
HK$105,432
+HK$5,279/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,306/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,935 · Scale 2, in force from 26 Feb 2026)