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$47,421
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,896
−HK$1,499/mo
Today · 4.125%
HK$50,395
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,790/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,755
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,170
−HK$1,435/mo
Today · 4.125%
HK$55,605
baseline
▲ 0.50% · 4.625%
HK$58,537
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,210/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,905
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,675
−HK$1,799/mo
Today · 4.125%
HK$60,474
baseline
▲ 0.50% · 4.625%
HK$64,153
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,948/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,306
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,004
−HK$1,723/mo
Today · 4.125%
HK$66,727
baseline
▲ 0.50% · 4.625%
HK$70,244
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,454/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,389
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,454
−HK$2,098/mo
Today · 4.125%
HK$70,552
baseline
▲ 0.50% · 4.625%
HK$74,845
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,104/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,857
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,838
−HK$2,010/mo
Today · 4.125%
HK$77,848
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,696/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,013
−HK$2,697/mo
Today · 4.125%
HK$90,710
baseline
▲ 0.50% · 4.625%
HK$96,230
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,420/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,960
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,506
−HK$2,584/mo
Today · 4.125%
HK$100,090
baseline
▲ 0.50% · 4.625%
HK$105,366
+HK$5,276/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,180/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,631 · Scale 2, in force from 26 Feb 2026)