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$47,447
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,923
−HK$1,499/mo
Today · 4.125%
HK$50,422
baseline
▲ 0.50% · 4.625%
HK$53,490
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,844/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,784
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,200
−HK$1,436/mo
Today · 4.125%
HK$55,636
baseline
▲ 0.50% · 4.625%
HK$58,569
+HK$2,933/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,272/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,936
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,708
−HK$1,799/mo
Today · 4.125%
HK$60,507
baseline
▲ 0.50% · 4.625%
HK$64,189
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$121,014/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,341
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,040
−HK$1,723/mo
Today · 4.125%
HK$66,763
baseline
▲ 0.50% · 4.625%
HK$70,283
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,526/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,426
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,492
−HK$2,099/mo
Today · 4.125%
HK$70,591
baseline
▲ 0.50% · 4.625%
HK$74,887
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,182/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,898
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,880
−HK$2,011/mo
Today · 4.125%
HK$77,891
baseline
▲ 0.50% · 4.625%
HK$81,996
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,782/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,405
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,061
−HK$2,699/mo
Today · 4.125%
HK$90,760
baseline
▲ 0.50% · 4.625%
HK$96,283
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,520/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,012
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,560
−HK$2,585/mo
Today · 4.125%
HK$100,145
baseline
▲ 0.50% · 4.625%
HK$105,424
+HK$5,279/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,290/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,778 · Scale 2, in force from 26 Feb 2026)