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$47,435
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,910
−HK$1,499/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,477
+HK$3,068/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,186
−HK$1,436/mo
Today · 4.125%
HK$55,622
baseline
▲ 0.50% · 4.625%
HK$58,553
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,244/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,922
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,692
−HK$1,799/mo
Today · 4.125%
HK$60,491
baseline
▲ 0.50% · 4.625%
HK$64,172
+HK$3,681/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,982/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,325
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,023
−HK$1,723/mo
Today · 4.125%
HK$66,746
baseline
▲ 0.50% · 4.625%
HK$70,264
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,492/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,409
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,474
−HK$2,099/mo
Today · 4.125%
HK$70,573
baseline
▲ 0.50% · 4.625%
HK$74,867
+HK$4,294/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,146/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,879
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,860
−HK$2,010/mo
Today · 4.125%
HK$77,870
baseline
▲ 0.50% · 4.625%
HK$81,975
+HK$4,105/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,740/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,382
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,038
−HK$2,699/mo
Today · 4.125%
HK$90,737
baseline
▲ 0.50% · 4.625%
HK$96,258
+HK$5,521/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,474/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,987
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,535
−HK$2,584/mo
Today · 4.125%
HK$100,119
baseline
▲ 0.50% · 4.625%
HK$105,396
+HK$5,277/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,238/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$830,234 · Scale 2, in force from 26 Feb 2026)