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$49,460
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,998
−HK$1,564/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,760
+HK$3,198/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,024
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,499
−HK$1,498/mo
Today · 4.125%
HK$57,997
baseline
▲ 0.50% · 4.625%
HK$61,054
+HK$3,057/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$115,994/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,352
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,198
−HK$1,876/mo
Today · 4.125%
HK$63,074
baseline
▲ 0.50% · 4.625%
HK$66,912
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$126,148/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,028
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,799
−HK$1,797/mo
Today · 4.125%
HK$69,596
baseline
▲ 0.50% · 4.625%
HK$73,264
+HK$3,668/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$139,192/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,244
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,398
−HK$2,188/mo
Today · 4.125%
HK$73,586
baseline
▲ 0.50% · 4.625%
HK$78,064
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,172/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,033
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,099
−HK$2,096/mo
Today · 4.125%
HK$81,195
baseline
▲ 0.50% · 4.625%
HK$85,475
+HK$4,280/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,390/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,028
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,797
−HK$2,814/mo
Today · 4.125%
HK$94,611
baseline
▲ 0.50% · 4.625%
HK$100,368
+HK$5,757/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,222/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,043
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,699
−HK$2,695/mo
Today · 4.125%
HK$104,394
baseline
▲ 0.50% · 4.625%
HK$109,896
+HK$5,502/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,788/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,055 · Scale 2, in force from 26 Feb 2026)