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$47,490
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,500/mo
Today · 4.125%
HK$50,468
baseline
▲ 0.50% · 4.625%
HK$53,539
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,936/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,833
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,437/mo
Today · 4.125%
HK$55,687
baseline
▲ 0.50% · 4.625%
HK$58,622
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,374/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,989
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,761
−HK$1,801/mo
Today · 4.125%
HK$60,562
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,124/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,399
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,099
−HK$1,725/mo
Today · 4.125%
HK$66,824
baseline
▲ 0.50% · 4.625%
HK$70,347
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,648/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,487
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,555
−HK$2,101/mo
Today · 4.125%
HK$70,656
baseline
▲ 0.50% · 4.625%
HK$74,955
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,312/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,966
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,949
−HK$2,013/mo
Today · 4.125%
HK$77,962
baseline
▲ 0.50% · 4.625%
HK$82,071
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,924/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,483
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,142
−HK$2,701/mo
Today · 4.125%
HK$90,843
baseline
▲ 0.50% · 4.625%
HK$96,371
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,686/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,099
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,649
−HK$2,588/mo
Today · 4.125%
HK$100,237
baseline
▲ 0.50% · 4.625%
HK$105,520
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,474/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,680 · Scale 2, in force from 26 Feb 2026)