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$47,498
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,976
−HK$1,501/mo
Today · 4.125%
HK$50,477
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$3,071/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,954/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,438/mo
Today · 4.125%
HK$55,696
baseline
▲ 0.50% · 4.625%
HK$58,632
+HK$2,936/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,392/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,998
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,771
−HK$1,801/mo
Today · 4.125%
HK$60,572
baseline
▲ 0.50% · 4.625%
HK$64,258
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,144/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,409
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,110
−HK$1,725/mo
Today · 4.125%
HK$66,835
baseline
▲ 0.50% · 4.625%
HK$70,358
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,670/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,497
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,566
−HK$2,101/mo
Today · 4.125%
HK$70,667
baseline
▲ 0.50% · 4.625%
HK$74,967
+HK$4,300/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,334/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,978
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,962
−HK$2,012/mo
Today · 4.125%
HK$77,974
baseline
▲ 0.50% · 4.625%
HK$82,084
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,948/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,497
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,156
−HK$2,702/mo
Today · 4.125%
HK$90,858
baseline
▲ 0.50% · 4.625%
HK$96,386
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,716/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,114
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,665
−HK$2,588/mo
Today · 4.125%
HK$100,253
baseline
▲ 0.50% · 4.625%
HK$105,537
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,506/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,014 · Scale 2, in force from 26 Feb 2026)