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$47,475
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,952
−HK$1,500/mo
Today · 4.125%
HK$50,452
baseline
▲ 0.50% · 4.625%
HK$53,522
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,904/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,815
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,232
−HK$1,437/mo
Today · 4.125%
HK$55,669
baseline
▲ 0.50% · 4.625%
HK$58,603
+HK$2,934/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,338/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,970
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,742
−HK$1,800/mo
Today · 4.125%
HK$60,542
baseline
▲ 0.50% · 4.625%
HK$64,226
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,084/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,378
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,078
−HK$1,724/mo
Today · 4.125%
HK$66,802
baseline
▲ 0.50% · 4.625%
HK$70,324
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,604/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,465
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,532
−HK$2,101/mo
Today · 4.125%
HK$70,633
baseline
▲ 0.50% · 4.625%
HK$74,931
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$141,266/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,941
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,924
−HK$2,012/mo
Today · 4.125%
HK$77,936
baseline
▲ 0.50% · 4.625%
HK$82,044
+HK$4,108/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$155,872/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,455
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,113
−HK$2,700/mo
Today · 4.125%
HK$90,813
baseline
▲ 0.50% · 4.625%
HK$96,339
+HK$5,526/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,626/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,068
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,617
−HK$2,587/mo
Today · 4.125%
HK$100,204
baseline
▲ 0.50% · 4.625%
HK$105,486
+HK$5,282/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,408/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,996 · Scale 2, in force from 26 Feb 2026)