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$47,485
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,962
−HK$1,501/mo
Today · 4.125%
HK$50,463
baseline
▲ 0.50% · 4.625%
HK$53,533
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,926/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,827
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,243
−HK$1,438/mo
Today · 4.125%
HK$55,681
baseline
▲ 0.50% · 4.625%
HK$58,616
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,362/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,982
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,754
−HK$1,801/mo
Today · 4.125%
HK$60,555
baseline
▲ 0.50% · 4.625%
HK$64,240
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,110/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,392
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,725/mo
Today · 4.125%
HK$66,817
baseline
▲ 0.50% · 4.625%
HK$70,339
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,634/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,479
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,547
−HK$2,101/mo
Today · 4.125%
HK$70,648
baseline
▲ 0.50% · 4.625%
HK$74,947
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,296/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,957
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,941
−HK$2,012/mo
Today · 4.125%
HK$77,953
baseline
▲ 0.50% · 4.625%
HK$82,062
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,906/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,473
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,132
−HK$2,701/mo
Today · 4.125%
HK$90,833
baseline
▲ 0.50% · 4.625%
HK$96,360
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,666/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,088
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,638
−HK$2,587/mo
Today · 4.125%
HK$100,225
baseline
▲ 0.50% · 4.625%
HK$105,508
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,450/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,442 · Scale 2, in force from 26 Feb 2026)