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$47,497
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,975
−HK$1,501/mo
Today · 4.125%
HK$50,476
baseline
▲ 0.50% · 4.625%
HK$53,547
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,952/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,840
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,437/mo
Today · 4.125%
HK$55,695
baseline
▲ 0.50% · 4.625%
HK$58,631
+HK$2,936/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,390/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,997
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,770
−HK$1,801/mo
Today · 4.125%
HK$60,571
baseline
▲ 0.50% · 4.625%
HK$64,257
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,142/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,409
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,109
−HK$1,725/mo
Today · 4.125%
HK$66,834
baseline
▲ 0.50% · 4.625%
HK$70,357
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,668/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,496
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,565
−HK$2,101/mo
Today · 4.125%
HK$70,666
baseline
▲ 0.50% · 4.625%
HK$74,966
+HK$4,300/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,332/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,977
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,961
−HK$2,012/mo
Today · 4.125%
HK$77,973
baseline
▲ 0.50% · 4.625%
HK$82,083
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,946/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,495
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,155
−HK$2,702/mo
Today · 4.125%
HK$90,857
baseline
▲ 0.50% · 4.625%
HK$96,385
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,714/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,113
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,664
−HK$2,587/mo
Today · 4.125%
HK$100,251
baseline
▲ 0.50% · 4.625%
HK$105,536
+HK$5,285/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,502/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,989 · Scale 2, in force from 26 Feb 2026)