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$47,483
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,960
−HK$1,501/mo
Today · 4.125%
HK$50,461
baseline
▲ 0.50% · 4.625%
HK$53,531
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,922/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,825
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,241
−HK$1,438/mo
Today · 4.125%
HK$55,679
baseline
▲ 0.50% · 4.625%
HK$58,613
+HK$2,934/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,358/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,980
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,752
−HK$1,801/mo
Today · 4.125%
HK$60,553
baseline
▲ 0.50% · 4.625%
HK$64,238
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,106/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,390
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,090
−HK$1,724/mo
Today · 4.125%
HK$66,814
baseline
▲ 0.50% · 4.625%
HK$70,336
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,628/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,476
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,544
−HK$2,101/mo
Today · 4.125%
HK$70,645
baseline
▲ 0.50% · 4.625%
HK$74,944
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,290/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,954
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,938
−HK$2,012/mo
Today · 4.125%
HK$77,950
baseline
▲ 0.50% · 4.625%
HK$82,059
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,900/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,470
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,128
−HK$2,701/mo
Today · 4.125%
HK$90,829
baseline
▲ 0.50% · 4.625%
HK$96,356
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,658/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,084
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,634
−HK$2,587/mo
Today · 4.125%
HK$100,221
baseline
▲ 0.50% · 4.625%
HK$105,504
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,442/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,363 · Scale 2, in force from 26 Feb 2026)