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$2,976/mo
▼ 0.25% · 3.875%
HK$48,927
−HK$1,500/mo
Today · 4.125%
HK$50,427
baseline
▲ 0.50% · 4.625%
HK$53,495
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,854/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,789
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,205
−HK$1,436/mo
Today · 4.125%
HK$55,641
baseline
▲ 0.50% · 4.625%
HK$58,574
+HK$2,933/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,282/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,713
−HK$1,799/mo
Today · 4.125%
HK$60,512
baseline
▲ 0.50% · 4.625%
HK$64,194
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,024/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,347
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,046
−HK$1,723/mo
Today · 4.125%
HK$66,769
baseline
▲ 0.50% · 4.625%
HK$70,289
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,538/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,432
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,498
−HK$2,099/mo
Today · 4.125%
HK$70,597
baseline
▲ 0.50% · 4.625%
HK$74,893
+HK$4,296/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$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,904
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,887
−HK$2,010/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$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,412
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,069
−HK$2,699/mo
Today · 4.125%
HK$90,768
baseline
▲ 0.50% · 4.625%
HK$96,291
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,536/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,020
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,568
−HK$2,586/mo
Today · 4.125%
HK$100,154
baseline
▲ 0.50% · 4.625%
HK$105,433
+HK$5,279/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,308/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,956 · Scale 2, in force from 26 Feb 2026)