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$47,514
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,992
−HK$1,501/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,566
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,986/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,859
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,276
−HK$1,438/mo
Today · 4.125%
HK$55,714
baseline
▲ 0.50% · 4.625%
HK$58,651
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,428/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,017
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,790
−HK$1,802/mo
Today · 4.125%
HK$60,592
baseline
▲ 0.50% · 4.625%
HK$64,279
+HK$3,687/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,184/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,430
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,132
−HK$1,725/mo
Today · 4.125%
HK$66,857
baseline
▲ 0.50% · 4.625%
HK$70,382
+HK$3,525/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,714/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,519
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,589
−HK$2,102/mo
Today · 4.125%
HK$70,691
baseline
▲ 0.50% · 4.625%
HK$74,992
+HK$4,301/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,382/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,002
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,987
−HK$2,013/mo
Today · 4.125%
HK$78,000
baseline
▲ 0.50% · 4.625%
HK$82,112
+HK$4,112/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,000/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,525
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,185
−HK$2,703/mo
Today · 4.125%
HK$90,888
baseline
▲ 0.50% · 4.625%
HK$96,418
+HK$5,530/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,776/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,146
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,697
−HK$2,589/mo
Today · 4.125%
HK$100,286
baseline
▲ 0.50% · 4.625%
HK$105,572
+HK$5,286/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,572/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,708 · Scale 2, in force from 26 Feb 2026)