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$47,486
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,963
−HK$1,501/mo
Today · 4.125%
HK$50,464
baseline
▲ 0.50% · 4.625%
HK$53,534
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,928/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,828
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,245
−HK$1,437/mo
Today · 4.125%
HK$55,682
baseline
▲ 0.50% · 4.625%
HK$58,617
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,364/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,756
−HK$1,801/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,393
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,093
−HK$1,725/mo
Today · 4.125%
HK$66,818
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,636/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,480
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,548
−HK$2,101/mo
Today · 4.125%
HK$70,649
baseline
▲ 0.50% · 4.625%
HK$74,948
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,298/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,959
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,942
−HK$2,013/mo
Today · 4.125%
HK$77,955
baseline
▲ 0.50% · 4.625%
HK$82,064
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,910/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,475
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,134
−HK$2,701/mo
Today · 4.125%
HK$90,835
baseline
▲ 0.50% · 4.625%
HK$96,362
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,670/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,090
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,640
−HK$2,587/mo
Today · 4.125%
HK$100,227
baseline
▲ 0.50% · 4.625%
HK$105,510
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,454/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,487 · Scale 2, in force from 26 Feb 2026)