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$47,489
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,966
−HK$1,501/mo
Today · 4.125%
HK$50,467
baseline
▲ 0.50% · 4.625%
HK$53,538
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,934/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,831
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,248
−HK$1,437/mo
Today · 4.125%
HK$55,685
baseline
▲ 0.50% · 4.625%
HK$58,621
+HK$2,936/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,370/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,987
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,759
−HK$1,801/mo
Today · 4.125%
HK$60,560
baseline
▲ 0.50% · 4.625%
HK$64,245
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,120/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,397
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,097
−HK$1,725/mo
Today · 4.125%
HK$66,822
baseline
▲ 0.50% · 4.625%
HK$70,345
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,644/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,485
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,553
−HK$2,101/mo
Today · 4.125%
HK$70,654
baseline
▲ 0.50% · 4.625%
HK$74,953
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,308/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,963
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,947
−HK$2,012/mo
Today · 4.125%
HK$77,959
baseline
▲ 0.50% · 4.625%
HK$82,069
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,918/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,480
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,139
−HK$2,701/mo
Today · 4.125%
HK$90,840
baseline
▲ 0.50% · 4.625%
HK$96,368
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,680/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,096
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,646
−HK$2,587/mo
Today · 4.125%
HK$100,233
baseline
▲ 0.50% · 4.625%
HK$105,517
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,466/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,614 · Scale 2, in force from 26 Feb 2026)