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$47,495
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,501/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,545
+HK$3,072/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,838
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,255
−HK$1,437/mo
Today · 4.125%
HK$55,692
baseline
▲ 0.50% · 4.625%
HK$58,628
+HK$2,936/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,384/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,994
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,767
−HK$1,801/mo
Today · 4.125%
HK$60,568
baseline
▲ 0.50% · 4.625%
HK$64,254
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,136/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,405
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,106
−HK$1,725/mo
Today · 4.125%
HK$66,831
baseline
▲ 0.50% · 4.625%
HK$70,354
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,662/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,493
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,561
−HK$2,102/mo
Today · 4.125%
HK$70,663
baseline
▲ 0.50% · 4.625%
HK$74,962
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,326/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,973
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,957
−HK$2,012/mo
Today · 4.125%
HK$77,969
baseline
▲ 0.50% · 4.625%
HK$82,079
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,938/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,491
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,150
−HK$2,702/mo
Today · 4.125%
HK$90,852
baseline
▲ 0.50% · 4.625%
HK$96,380
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,704/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,108
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,659
−HK$2,587/mo
Today · 4.125%
HK$100,246
baseline
▲ 0.50% · 4.625%
HK$105,531
+HK$5,285/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,492/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,883 · Scale 2, in force from 26 Feb 2026)