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$47,411
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,886
−HK$1,498/mo
Today · 4.125%
HK$50,384
baseline
▲ 0.50% · 4.625%
HK$53,450
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,768/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,744
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,159
−HK$1,435/mo
Today · 4.125%
HK$55,594
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$2,930/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,188/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,893
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,663
−HK$1,798/mo
Today · 4.125%
HK$60,461
baseline
▲ 0.50% · 4.625%
HK$64,140
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,922/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,293
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,991
−HK$1,722/mo
Today · 4.125%
HK$66,713
baseline
▲ 0.50% · 4.625%
HK$70,229
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,426/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,375
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,440
−HK$2,098/mo
Today · 4.125%
HK$70,538
baseline
▲ 0.50% · 4.625%
HK$74,830
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,076/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,842
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,822
−HK$2,009/mo
Today · 4.125%
HK$77,831
baseline
▲ 0.50% · 4.625%
HK$81,934
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,662/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,340
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,994
−HK$2,697/mo
Today · 4.125%
HK$90,691
baseline
▲ 0.50% · 4.625%
HK$96,210
+HK$5,519/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,382/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,940
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,486
−HK$2,583/mo
Today · 4.125%
HK$100,069
baseline
▲ 0.50% · 4.625%
HK$105,344
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,138/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,197 · Scale 2, in force from 26 Feb 2026)