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$47,414
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,889
−HK$1,499/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,454
+HK$3,066/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,748
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,163
−HK$1,435/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,529
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,897
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,667
−HK$1,798/mo
Today · 4.125%
HK$60,465
baseline
▲ 0.50% · 4.625%
HK$64,145
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,930/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,298
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,995
−HK$1,723/mo
Today · 4.125%
HK$66,718
baseline
▲ 0.50% · 4.625%
HK$70,234
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,436/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,380
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,445
−HK$2,098/mo
Today · 4.125%
HK$70,543
baseline
▲ 0.50% · 4.625%
HK$74,835
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,086/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,847
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,828
−HK$2,009/mo
Today · 4.125%
HK$77,837
baseline
▲ 0.50% · 4.625%
HK$81,940
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,674/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,346
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,001
−HK$2,697/mo
Today · 4.125%
HK$90,698
baseline
▲ 0.50% · 4.625%
HK$96,217
+HK$5,519/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,396/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,947
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,493
−HK$2,583/mo
Today · 4.125%
HK$100,076
baseline
▲ 0.50% · 4.625%
HK$105,351
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,152/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,349 · Scale 2, in force from 26 Feb 2026)