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$47,496
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,973
−HK$1,501/mo
Today · 4.125%
HK$50,474
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$3,072/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,948/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,839
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,256
−HK$1,437/mo
Today · 4.125%
HK$55,693
baseline
▲ 0.50% · 4.625%
HK$58,629
+HK$2,936/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,386/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,995
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,768
−HK$1,801/mo
Today · 4.125%
HK$60,569
baseline
▲ 0.50% · 4.625%
HK$64,255
+HK$3,686/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,138/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,406
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,107
−HK$1,725/mo
Today · 4.125%
HK$66,832
baseline
▲ 0.50% · 4.625%
HK$70,355
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,664/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,494
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,563
−HK$2,101/mo
Today · 4.125%
HK$70,664
baseline
▲ 0.50% · 4.625%
HK$74,964
+HK$4,300/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,328/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,974
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,958
−HK$2,013/mo
Today · 4.125%
HK$77,971
baseline
▲ 0.50% · 4.625%
HK$82,081
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,942/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,493
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,152
−HK$2,702/mo
Today · 4.125%
HK$90,854
baseline
▲ 0.50% · 4.625%
HK$96,382
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$181,708/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,110
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,660
−HK$2,588/mo
Today · 4.125%
HK$100,248
baseline
▲ 0.50% · 4.625%
HK$105,532
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.75M · min. income ≈ HK$200,496/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,920 · Scale 2, in force from 26 Feb 2026)