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$47,516
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,502/mo
Today · 4.125%
HK$50,496
baseline
▲ 0.50% · 4.625%
HK$53,568
+HK$3,072/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,992/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,861
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,279
−HK$1,438/mo
Today · 4.125%
HK$55,717
baseline
▲ 0.50% · 4.625%
HK$58,654
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,434/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,019
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,802/mo
Today · 4.125%
HK$60,595
baseline
▲ 0.50% · 4.625%
HK$64,282
+HK$3,687/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$121,190/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,135
−HK$1,725/mo
Today · 4.125%
HK$66,860
baseline
▲ 0.50% · 4.625%
HK$70,385
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$133,720/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,523
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,592
−HK$2,102/mo
Today · 4.125%
HK$70,694
baseline
▲ 0.50% · 4.625%
HK$74,996
+HK$4,302/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,388/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,006
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,990
−HK$2,014/mo
Today · 4.125%
HK$78,004
baseline
▲ 0.50% · 4.625%
HK$82,116
+HK$4,112/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,008/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,529
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,189
−HK$2,703/mo
Today · 4.125%
HK$90,892
baseline
▲ 0.50% · 4.625%
HK$96,423
+HK$5,531/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,784/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,150
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,702
−HK$2,589/mo
Today · 4.125%
HK$100,291
baseline
▲ 0.50% · 4.625%
HK$105,577
+HK$5,286/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,582/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,804 · Scale 2, in force from 26 Feb 2026)