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$47,512
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,990
−HK$1,502/mo
Today · 4.125%
HK$50,492
baseline
▲ 0.50% · 4.625%
HK$53,564
+HK$3,072/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,984/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,857
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,275
−HK$1,438/mo
Today · 4.125%
HK$55,713
baseline
▲ 0.50% · 4.625%
HK$58,649
+HK$2,936/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,426/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,015
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,788
−HK$1,802/mo
Today · 4.125%
HK$60,590
baseline
▲ 0.50% · 4.625%
HK$64,277
+HK$3,687/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,180/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,429
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,130
−HK$1,725/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,379
+HK$3,524/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,517
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,586
−HK$2,103/mo
Today · 4.125%
HK$70,689
baseline
▲ 0.50% · 4.625%
HK$74,990
+HK$4,301/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,378/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,000
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,985
−HK$2,013/mo
Today · 4.125%
HK$77,998
baseline
▲ 0.50% · 4.625%
HK$82,109
+HK$4,111/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$155,996/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,522
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,183
−HK$2,702/mo
Today · 4.125%
HK$90,885
baseline
▲ 0.50% · 4.625%
HK$96,416
+HK$5,531/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,770/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,143
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,694
−HK$2,589/mo
Today · 4.125%
HK$100,283
baseline
▲ 0.50% · 4.625%
HK$105,569
+HK$5,286/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,566/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,644 · Scale 2, in force from 26 Feb 2026)