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$47,487
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,964
−HK$1,501/mo
Today · 4.125%
HK$50,465
baseline
▲ 0.50% · 4.625%
HK$53,536
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,930/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,829
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,246
−HK$1,437/mo
Today · 4.125%
HK$55,683
baseline
▲ 0.50% · 4.625%
HK$58,618
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,366/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,985
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,757
−HK$1,801/mo
Today · 4.125%
HK$60,558
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,116/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,395
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,095
−HK$1,725/mo
Today · 4.125%
HK$66,820
baseline
▲ 0.50% · 4.625%
HK$70,342
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,640/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,482
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,550
−HK$2,101/mo
Today · 4.125%
HK$70,651
baseline
▲ 0.50% · 4.625%
HK$74,950
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,302/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,961
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,944
−HK$2,012/mo
Today · 4.125%
HK$77,956
baseline
▲ 0.50% · 4.625%
HK$82,066
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,912/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,477
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,136
−HK$2,701/mo
Today · 4.125%
HK$90,837
baseline
▲ 0.50% · 4.625%
HK$96,364
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,674/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,092
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,642
−HK$2,588/mo
Today · 4.125%
HK$100,230
baseline
▲ 0.50% · 4.625%
HK$105,513
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,460/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,535 · Scale 2, in force from 26 Feb 2026)