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$47,425
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,900
−HK$1,499/mo
Today · 4.125%
HK$50,399
baseline
▲ 0.50% · 4.625%
HK$53,465
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,798/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,760
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,174
−HK$1,436/mo
Today · 4.125%
HK$55,610
baseline
▲ 0.50% · 4.625%
HK$58,541
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,220/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,910
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,680
−HK$1,798/mo
Today · 4.125%
HK$60,478
baseline
▲ 0.50% · 4.625%
HK$64,158
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,956/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,311
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,009
−HK$1,723/mo
Today · 4.125%
HK$66,732
baseline
▲ 0.50% · 4.625%
HK$70,249
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,464/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,395
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,460
−HK$2,098/mo
Today · 4.125%
HK$70,558
baseline
▲ 0.50% · 4.625%
HK$74,851
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,116/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,863
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,844
−HK$2,010/mo
Today · 4.125%
HK$77,854
baseline
▲ 0.50% · 4.625%
HK$81,958
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,708/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,364
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,020
−HK$2,698/mo
Today · 4.125%
HK$90,718
baseline
▲ 0.50% · 4.625%
HK$96,238
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,436/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,967
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,514
−HK$2,584/mo
Today · 4.125%
HK$100,098
baseline
▲ 0.50% · 4.625%
HK$105,374
+HK$5,276/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,196/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,797 · Scale 2, in force from 26 Feb 2026)