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$47,448
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,499/mo
Today · 4.125%
HK$50,423
baseline
▲ 0.50% · 4.625%
HK$53,491
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,846/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,785
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,201
−HK$1,436/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$58,570
+HK$2,933/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,937
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,708
−HK$1,800/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$64,190
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,041
−HK$1,723/mo
Today · 4.125%
HK$66,764
baseline
▲ 0.50% · 4.625%
HK$70,284
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,528/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,427
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,493
−HK$2,099/mo
Today · 4.125%
HK$70,592
baseline
▲ 0.50% · 4.625%
HK$74,888
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,184/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,899
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,881
−HK$2,011/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$81,998
+HK$4,106/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,406
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,063
−HK$2,699/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$96,284
+HK$5,522/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,013
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,561
−HK$2,586/mo
Today · 4.125%
HK$100,147
baseline
▲ 0.50% · 4.625%
HK$105,425
+HK$5,278/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,294/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,808 · Scale 2, in force from 26 Feb 2026)