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$47,412
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,886
−HK$1,499/mo
Today · 4.125%
HK$50,385
baseline
▲ 0.50% · 4.625%
HK$53,450
+HK$3,065/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,770/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,159
−HK$1,435/mo
Today · 4.125%
HK$55,594
baseline
▲ 0.50% · 4.625%
HK$58,525
+HK$2,931/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$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,894
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,664
−HK$1,798/mo
Today · 4.125%
HK$60,462
baseline
▲ 0.50% · 4.625%
HK$64,141
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,924/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,991
−HK$1,722/mo
Today · 4.125%
HK$66,713
baseline
▲ 0.50% · 4.625%
HK$70,230
+HK$3,517/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$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,376
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,441
−HK$2,098/mo
Today · 4.125%
HK$70,539
baseline
▲ 0.50% · 4.625%
HK$74,831
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,078/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,843
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,823
−HK$2,009/mo
Today · 4.125%
HK$77,832
baseline
▲ 0.50% · 4.625%
HK$81,935
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,664/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,341
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,995
−HK$2,697/mo
Today · 4.125%
HK$90,692
baseline
▲ 0.50% · 4.625%
HK$96,211
+HK$5,519/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,384/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,941
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,487
−HK$2,583/mo
Today · 4.125%
HK$100,070
baseline
▲ 0.50% · 4.625%
HK$105,345
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,140/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,220 · Scale 2, in force from 26 Feb 2026)