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$47,413
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,888
−HK$1,498/mo
Today · 4.125%
HK$50,386
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,772/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,746
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,161
−HK$1,435/mo
Today · 4.125%
HK$55,596
baseline
▲ 0.50% · 4.625%
HK$58,527
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,192/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,895
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,665
−HK$1,798/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$64,142
+HK$3,679/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,296
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,993
−HK$1,722/mo
Today · 4.125%
HK$66,715
baseline
▲ 0.50% · 4.625%
HK$70,232
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,430/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,378
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$2,098/mo
Today · 4.125%
HK$70,541
baseline
▲ 0.50% · 4.625%
HK$74,833
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,082/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,845
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,825
−HK$2,010/mo
Today · 4.125%
HK$77,835
baseline
▲ 0.50% · 4.625%
HK$81,937
+HK$4,102/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,670/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,343
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,998
−HK$2,697/mo
Today · 4.125%
HK$90,695
baseline
▲ 0.50% · 4.625%
HK$96,214
+HK$5,519/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,390/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,943
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,490
−HK$2,583/mo
Today · 4.125%
HK$100,073
baseline
▲ 0.50% · 4.625%
HK$105,348
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,146/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,279 · Scale 2, in force from 26 Feb 2026)