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$47,481
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,958
−HK$1,500/mo
Today · 4.125%
HK$50,458
baseline
▲ 0.50% · 4.625%
HK$53,529
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,916/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,822
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,437/mo
Today · 4.125%
HK$55,676
baseline
▲ 0.50% · 4.625%
HK$58,611
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,352/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,977
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,801/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$64,234
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,386
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,725/mo
Today · 4.125%
HK$66,811
baseline
▲ 0.50% · 4.625%
HK$70,333
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,622/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,473
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,541
−HK$2,101/mo
Today · 4.125%
HK$70,642
baseline
▲ 0.50% · 4.625%
HK$74,940
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,284/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,951
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,934
−HK$2,012/mo
Today · 4.125%
HK$77,946
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,892/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,466
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,124
−HK$2,701/mo
Today · 4.125%
HK$90,825
baseline
▲ 0.50% · 4.625%
HK$96,351
+HK$5,526/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,650/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,080
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,630
−HK$2,586/mo
Today · 4.125%
HK$100,216
baseline
▲ 0.50% · 4.625%
HK$105,499
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,432/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,260 · Scale 2, in force from 26 Feb 2026)