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$47,494
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,501/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,544
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,837
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,254
−HK$1,438/mo
Today · 4.125%
HK$55,692
baseline
▲ 0.50% · 4.625%
HK$58,627
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,384/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,993
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,766
−HK$1,801/mo
Today · 4.125%
HK$60,567
baseline
▲ 0.50% · 4.625%
HK$64,253
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,134/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,404
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,105
−HK$1,725/mo
Today · 4.125%
HK$66,830
baseline
▲ 0.50% · 4.625%
HK$70,353
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,660/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,492
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,560
−HK$2,102/mo
Today · 4.125%
HK$70,662
baseline
▲ 0.50% · 4.625%
HK$74,961
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,324/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,972
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,956
−HK$2,012/mo
Today · 4.125%
HK$77,968
baseline
▲ 0.50% · 4.625%
HK$82,078
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,936/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,490
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,149
−HK$2,702/mo
Today · 4.125%
HK$90,851
baseline
▲ 0.50% · 4.625%
HK$96,379
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,702/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,107
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,657
−HK$2,588/mo
Today · 4.125%
HK$100,245
baseline
▲ 0.50% · 4.625%
HK$105,529
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,490/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,854 · Scale 2, in force from 26 Feb 2026)