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$48,915
−HK$1,500/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,482
+HK$3,067/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$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,776
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,192
−HK$1,436/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$58,560
+HK$2,932/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$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,928
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,698
−HK$1,800/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,681/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$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,331
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,030
−HK$1,723/mo
Today · 4.125%
HK$66,753
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$3,519/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,506/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,416
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,482
−HK$2,098/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,875
+HK$4,295/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,887
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,868
−HK$2,011/mo
Today · 4.125%
HK$77,879
baseline
▲ 0.50% · 4.625%
HK$81,984
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,758/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,392
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,048
−HK$2,698/mo
Today · 4.125%
HK$90,746
baseline
▲ 0.50% · 4.625%
HK$96,268
+HK$5,522/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,492/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,997
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,545
−HK$2,585/mo
Today · 4.125%
HK$100,130
baseline
▲ 0.50% · 4.625%
HK$105,408
+HK$5,278/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,260/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,457 · Scale 2, in force from 26 Feb 2026)