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$47,482
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,959
−HK$1,500/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,529
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,823
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,438/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$58,611
+HK$2,934/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,978
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,750
−HK$1,801/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$64,235
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,387
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,725/mo
Today · 4.125%
HK$66,812
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,624/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,474
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,542
−HK$2,101/mo
Today · 4.125%
HK$70,643
baseline
▲ 0.50% · 4.625%
HK$74,941
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,286/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,952
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,935
−HK$2,012/mo
Today · 4.125%
HK$77,947
baseline
▲ 0.50% · 4.625%
HK$82,056
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,894/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,467
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,125
−HK$2,701/mo
Today · 4.125%
HK$90,826
baseline
▲ 0.50% · 4.625%
HK$96,353
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,652/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,081
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,631
−HK$2,587/mo
Today · 4.125%
HK$100,218
baseline
▲ 0.50% · 4.625%
HK$105,501
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,436/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,292 · Scale 2, in force from 26 Feb 2026)