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$49,468
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,006
−HK$1,564/mo
Today · 4.125%
HK$52,570
baseline
▲ 0.50% · 4.625%
HK$55,769
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,140/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,032
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,508
−HK$1,498/mo
Today · 4.125%
HK$58,006
baseline
▲ 0.50% · 4.625%
HK$61,063
+HK$3,057/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,012/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,361
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,208
−HK$1,876/mo
Today · 4.125%
HK$63,084
baseline
▲ 0.50% · 4.625%
HK$66,922
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,168/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,039
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,810
−HK$1,797/mo
Today · 4.125%
HK$69,607
baseline
▲ 0.50% · 4.625%
HK$73,276
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,214/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,255
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,409
−HK$2,189/mo
Today · 4.125%
HK$73,598
baseline
▲ 0.50% · 4.625%
HK$78,076
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,196/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,045
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,112
−HK$2,096/mo
Today · 4.125%
HK$81,208
baseline
▲ 0.50% · 4.625%
HK$85,488
+HK$4,280/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,416/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,042
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,812
−HK$2,814/mo
Today · 4.125%
HK$94,626
baseline
▲ 0.50% · 4.625%
HK$100,383
+HK$5,757/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,252/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,058
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,715
−HK$2,695/mo
Today · 4.125%
HK$104,410
baseline
▲ 0.50% · 4.625%
HK$109,914
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,820/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,395 · Scale 2, in force from 26 Feb 2026)