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$47,492
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,970
−HK$1,501/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,542
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,252
−HK$1,437/mo
Today · 4.125%
HK$55,689
baseline
▲ 0.50% · 4.625%
HK$58,625
+HK$2,936/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,378/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,991
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,764
−HK$1,801/mo
Today · 4.125%
HK$60,565
baseline
▲ 0.50% · 4.625%
HK$64,250
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,130/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,402
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,102
−HK$1,725/mo
Today · 4.125%
HK$66,827
baseline
▲ 0.50% · 4.625%
HK$70,350
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,654/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,489
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$2,101/mo
Today · 4.125%
HK$70,659
baseline
▲ 0.50% · 4.625%
HK$74,958
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,318/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,969
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,953
−HK$2,012/mo
Today · 4.125%
HK$77,965
baseline
▲ 0.50% · 4.625%
HK$82,075
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,930/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,486
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,146
−HK$2,701/mo
Today · 4.125%
HK$90,847
baseline
▲ 0.50% · 4.625%
HK$96,375
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,694/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,103
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,653
−HK$2,588/mo
Today · 4.125%
HK$100,241
baseline
▲ 0.50% · 4.625%
HK$105,525
+HK$5,284/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,482/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,770 · Scale 2, in force from 26 Feb 2026)