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$47,491
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,969
−HK$1,500/mo
Today · 4.125%
HK$50,469
baseline
▲ 0.50% · 4.625%
HK$53,540
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,938/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,834
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,251
−HK$1,437/mo
Today · 4.125%
HK$55,688
baseline
▲ 0.50% · 4.625%
HK$58,623
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,376/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,990
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,762
−HK$1,801/mo
Today · 4.125%
HK$60,563
baseline
▲ 0.50% · 4.625%
HK$64,248
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,126/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,400
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,101
−HK$1,725/mo
Today · 4.125%
HK$66,826
baseline
▲ 0.50% · 4.625%
HK$70,348
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,652/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,488
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,556
−HK$2,101/mo
Today · 4.125%
HK$70,657
baseline
▲ 0.50% · 4.625%
HK$74,957
+HK$4,300/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,314/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,967
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,951
−HK$2,012/mo
Today · 4.125%
HK$77,963
baseline
▲ 0.50% · 4.625%
HK$82,073
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,926/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,484
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,143
−HK$2,702/mo
Today · 4.125%
HK$90,845
baseline
▲ 0.50% · 4.625%
HK$96,373
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,690/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,101
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,651
−HK$2,587/mo
Today · 4.125%
HK$100,238
baseline
▲ 0.50% · 4.625%
HK$105,522
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,476/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,719 · Scale 2, in force from 26 Feb 2026)