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$47,408
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,883
−HK$1,498/mo
Today · 4.125%
HK$50,381
baseline
▲ 0.50% · 4.625%
HK$53,447
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,762/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,741
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,156
−HK$1,435/mo
Today · 4.125%
HK$55,591
baseline
▲ 0.50% · 4.625%
HK$58,521
+HK$2,930/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,182/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,890
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,660
−HK$1,798/mo
Today · 4.125%
HK$60,458
baseline
▲ 0.50% · 4.625%
HK$64,136
+HK$3,678/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$120,916/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,290
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,987
−HK$1,722/mo
Today · 4.125%
HK$66,709
baseline
▲ 0.50% · 4.625%
HK$70,225
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$133,418/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,372
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,436
−HK$2,098/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,826
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,818
−HK$2,009/mo
Today · 4.125%
HK$77,827
baseline
▲ 0.50% · 4.625%
HK$81,930
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,654/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,335
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,696/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$5,518/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,481
−HK$2,583/mo
Today · 4.125%
HK$100,064
baseline
▲ 0.50% · 4.625%
HK$105,338
+HK$5,274/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,128/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,083 · Scale 2, in force from 26 Feb 2026)