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$47,499
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,977
−HK$1,501/mo
Today · 4.125%
HK$50,478
baseline
▲ 0.50% · 4.625%
HK$53,549
+HK$3,071/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$100,956/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,842
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,260
−HK$1,437/mo
Today · 4.125%
HK$55,697
baseline
▲ 0.50% · 4.625%
HK$58,633
+HK$2,936/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,394/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,999
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,772
−HK$1,801/mo
Today · 4.125%
HK$60,573
baseline
▲ 0.50% · 4.625%
HK$64,259
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,146/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,411
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,111
−HK$1,726/mo
Today · 4.125%
HK$66,837
baseline
▲ 0.50% · 4.625%
HK$70,360
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,674/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,499
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,567
−HK$2,102/mo
Today · 4.125%
HK$70,669
baseline
▲ 0.50% · 4.625%
HK$74,969
+HK$4,300/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,338/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,979
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,963
−HK$2,013/mo
Today · 4.125%
HK$77,976
baseline
▲ 0.50% · 4.625%
HK$82,086
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,952/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,499
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,158
−HK$2,702/mo
Today · 4.125%
HK$90,860
baseline
▲ 0.50% · 4.625%
HK$96,389
+HK$5,529/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,720/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,116
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,667
−HK$2,588/mo
Today · 4.125%
HK$100,255
baseline
▲ 0.50% · 4.625%
HK$105,540
+HK$5,285/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,510/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$833,064 · Scale 2, in force from 26 Feb 2026)