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$47,502
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,980
−HK$1,501/mo
Today · 4.125%
HK$50,481
baseline
▲ 0.50% · 4.625%
HK$53,553
+HK$3,072/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,962/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,846
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,263
−HK$1,438/mo
Today · 4.125%
HK$55,701
baseline
▲ 0.50% · 4.625%
HK$58,637
+HK$2,936/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,402/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,003
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,776
−HK$1,801/mo
Today · 4.125%
HK$60,577
baseline
▲ 0.50% · 4.625%
HK$64,263
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,154/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,415
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,116
−HK$1,725/mo
Today · 4.125%
HK$66,841
baseline
▲ 0.50% · 4.625%
HK$70,364
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,682/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,503
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,572
−HK$2,101/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,974
+HK$4,301/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,984
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,968
−HK$2,013/mo
Today · 4.125%
HK$77,981
baseline
▲ 0.50% · 4.625%
HK$82,092
+HK$4,111/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,962/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,504
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,164
−HK$2,702/mo
Today · 4.125%
HK$90,866
baseline
▲ 0.50% · 4.625%
HK$96,395
+HK$5,529/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,732/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,122
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,674
−HK$2,588/mo
Today · 4.125%
HK$100,262
baseline
▲ 0.50% · 4.625%
HK$105,546
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,524/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,198 · Scale 2, in force from 26 Feb 2026)