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$49,462
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,001
−HK$1,563/mo
Today · 4.125%
HK$52,564
baseline
▲ 0.50% · 4.625%
HK$55,762
+HK$3,198/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,128/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,026
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,502
−HK$1,497/mo
Today · 4.125%
HK$57,999
baseline
▲ 0.50% · 4.625%
HK$61,056
+HK$3,057/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$115,998/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,355
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,201
−HK$1,876/mo
Today · 4.125%
HK$63,077
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$126,154/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,032
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,803
−HK$1,796/mo
Today · 4.125%
HK$69,599
baseline
▲ 0.50% · 4.625%
HK$73,268
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$139,198/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,247
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$2,189/mo
Today · 4.125%
HK$73,590
baseline
▲ 0.50% · 4.625%
HK$78,067
+HK$4,477/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,180/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,037
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,103
−HK$2,096/mo
Today · 4.125%
HK$81,199
baseline
▲ 0.50% · 4.625%
HK$85,479
+HK$4,280/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,398/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,032
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,802
−HK$2,813/mo
Today · 4.125%
HK$94,615
baseline
▲ 0.50% · 4.625%
HK$100,372
+HK$5,757/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,230/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,047
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,704
−HK$2,695/mo
Today · 4.125%
HK$104,399
baseline
▲ 0.50% · 4.625%
HK$109,902
+HK$5,503/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,798/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,156 · Scale 2, in force from 26 Feb 2026)