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$47,479
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,956
−HK$1,501/mo
Today · 4.125%
HK$50,457
baseline
▲ 0.50% · 4.625%
HK$53,527
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,914/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,820
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,237
−HK$1,437/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$58,609
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,975
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,748
−HK$1,800/mo
Today · 4.125%
HK$60,548
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,096/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,384
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,084
−HK$1,725/mo
Today · 4.125%
HK$66,809
baseline
▲ 0.50% · 4.625%
HK$70,330
+HK$3,521/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,618/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,471
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,539
−HK$2,101/mo
Today · 4.125%
HK$70,640
baseline
▲ 0.50% · 4.625%
HK$74,938
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,280/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,949
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,932
−HK$2,012/mo
Today · 4.125%
HK$77,944
baseline
▲ 0.50% · 4.625%
HK$82,052
+HK$4,108/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,888/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,463
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,121
−HK$2,701/mo
Today · 4.125%
HK$90,822
baseline
▲ 0.50% · 4.625%
HK$96,349
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,644/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,077
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,627
−HK$2,586/mo
Today · 4.125%
HK$100,213
baseline
▲ 0.50% · 4.625%
HK$105,496
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,426/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,196 · Scale 2, in force from 26 Feb 2026)