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$47,518
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,996
−HK$1,501/mo
Today · 4.125%
HK$50,497
baseline
▲ 0.50% · 4.625%
HK$53,570
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,994/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,863
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,281
−HK$1,438/mo
Today · 4.125%
HK$55,719
baseline
▲ 0.50% · 4.625%
HK$58,656
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,438/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,021
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,795
−HK$1,802/mo
Today · 4.125%
HK$60,597
baseline
▲ 0.50% · 4.625%
HK$64,284
+HK$3,687/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$121,194/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,435
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,137
−HK$1,726/mo
Today · 4.125%
HK$66,863
baseline
▲ 0.50% · 4.625%
HK$70,387
+HK$3,524/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$133,726/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,525
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,594
−HK$2,102/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,998
+HK$4,302/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,008
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,993
−HK$2,013/mo
Today · 4.125%
HK$78,006
baseline
▲ 0.50% · 4.625%
HK$82,118
+HK$4,112/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,012/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,532
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,192
−HK$2,703/mo
Today · 4.125%
HK$90,895
baseline
▲ 0.50% · 4.625%
HK$96,426
+HK$5,531/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,790/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,153
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,705
−HK$2,589/mo
Today · 4.125%
HK$100,294
baseline
▲ 0.50% · 4.625%
HK$105,580
+HK$5,286/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,588/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,867 · Scale 2, in force from 26 Feb 2026)