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$47,509
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,987
−HK$1,502/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$3,072/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,854
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,271
−HK$1,438/mo
Today · 4.125%
HK$55,709
baseline
▲ 0.50% · 4.625%
HK$58,646
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,418/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,011
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,785
−HK$1,802/mo
Today · 4.125%
HK$60,587
baseline
▲ 0.50% · 4.625%
HK$64,273
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,174/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,425
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,126
−HK$1,725/mo
Today · 4.125%
HK$66,851
baseline
▲ 0.50% · 4.625%
HK$70,375
+HK$3,524/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,702/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,513
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,582
−HK$2,102/mo
Today · 4.125%
HK$70,684
baseline
▲ 0.50% · 4.625%
HK$74,985
+HK$4,301/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,368/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,995
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,980
−HK$2,013/mo
Today · 4.125%
HK$77,993
baseline
▲ 0.50% · 4.625%
HK$82,104
+HK$4,111/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,986/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,517
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,177
−HK$2,703/mo
Today · 4.125%
HK$90,880
baseline
▲ 0.50% · 4.625%
HK$96,410
+HK$5,530/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,760/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,137
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,688
−HK$2,589/mo
Today · 4.125%
HK$100,277
baseline
▲ 0.50% · 4.625%
HK$105,563
+HK$5,286/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,554/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,516 · Scale 2, in force from 26 Feb 2026)