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$47,430
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,906
−HK$1,499/mo
Today · 4.125%
HK$50,405
baseline
▲ 0.50% · 4.625%
HK$53,472
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,810/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,766
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,181
−HK$1,436/mo
Today · 4.125%
HK$55,617
baseline
▲ 0.50% · 4.625%
HK$58,548
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,234/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,917
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,687
−HK$1,799/mo
Today · 4.125%
HK$60,486
baseline
▲ 0.50% · 4.625%
HK$64,166
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,972/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,319
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,017
−HK$1,723/mo
Today · 4.125%
HK$66,740
baseline
▲ 0.50% · 4.625%
HK$70,258
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,480/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,403
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,468
−HK$2,099/mo
Today · 4.125%
HK$70,567
baseline
▲ 0.50% · 4.625%
HK$74,860
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,134/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,872
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,853
−HK$2,010/mo
Today · 4.125%
HK$77,863
baseline
▲ 0.50% · 4.625%
HK$81,968
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,726/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,375
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,030
−HK$2,699/mo
Today · 4.125%
HK$90,729
baseline
▲ 0.50% · 4.625%
HK$96,249
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,458/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,979
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,526
−HK$2,584/mo
Today · 4.125%
HK$100,110
baseline
▲ 0.50% · 4.625%
HK$105,387
+HK$5,277/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,220/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,050 · Scale 2, in force from 26 Feb 2026)