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$47,417
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,892
−HK$1,498/mo
Today · 4.125%
HK$50,390
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,780/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,751
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,165
−HK$1,436/mo
Today · 4.125%
HK$55,601
baseline
▲ 0.50% · 4.625%
HK$58,531
+HK$2,930/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,202/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,900
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,670
−HK$1,798/mo
Today · 4.125%
HK$60,468
baseline
▲ 0.50% · 4.625%
HK$64,147
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,936/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,301
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,998
−HK$1,723/mo
Today · 4.125%
HK$66,721
baseline
▲ 0.50% · 4.625%
HK$70,238
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,442/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,383
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,448
−HK$2,098/mo
Today · 4.125%
HK$70,546
baseline
▲ 0.50% · 4.625%
HK$74,839
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,092/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,851
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,831
−HK$2,010/mo
Today · 4.125%
HK$77,841
baseline
▲ 0.50% · 4.625%
HK$81,944
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,682/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,350
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,005
−HK$2,697/mo
Today · 4.125%
HK$90,702
baseline
▲ 0.50% · 4.625%
HK$96,221
+HK$5,519/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,404/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,951
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,498
−HK$2,583/mo
Today · 4.125%
HK$100,081
baseline
▲ 0.50% · 4.625%
HK$105,356
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,162/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,446 · Scale 2, in force from 26 Feb 2026)