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$47,440
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,499/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,483
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,830/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,192
−HK$1,436/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$58,561
+HK$2,933/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,256/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,928
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,699
−HK$1,799/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$64,180
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,332
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,031
−HK$1,723/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,273
+HK$3,519/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,416
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,482
−HK$2,099/mo
Today · 4.125%
HK$70,581
baseline
▲ 0.50% · 4.625%
HK$74,876
+HK$4,295/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,162/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,888
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,869
−HK$2,011/mo
Today · 4.125%
HK$77,880
baseline
▲ 0.50% · 4.625%
HK$81,985
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,760/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,393
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,049
−HK$2,699/mo
Today · 4.125%
HK$90,748
baseline
▲ 0.50% · 4.625%
HK$96,269
+HK$5,521/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,496/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,998
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,546
−HK$2,585/mo
Today · 4.125%
HK$100,131
baseline
▲ 0.50% · 4.625%
HK$105,409
+HK$5,278/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,262/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,484 · Scale 2, in force from 26 Feb 2026)