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$49,482
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,021
−HK$1,564/mo
Today · 4.125%
HK$52,585
baseline
▲ 0.50% · 4.625%
HK$55,785
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,170/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,048
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,525
−HK$1,497/mo
Today · 4.125%
HK$58,022
baseline
▲ 0.50% · 4.625%
HK$61,081
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,044/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,379
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,226
−HK$1,876/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,942
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,058
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,830
−HK$1,797/mo
Today · 4.125%
HK$69,627
baseline
▲ 0.50% · 4.625%
HK$73,297
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,254/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,275
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,430
−HK$2,189/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$78,099
+HK$4,480/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,068
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,135
−HK$2,096/mo
Today · 4.125%
HK$81,231
baseline
▲ 0.50% · 4.625%
HK$85,513
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,462/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,068
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,838
−HK$2,815/mo
Today · 4.125%
HK$94,653
baseline
▲ 0.50% · 4.625%
HK$100,413
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,306/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,087
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,744
−HK$2,696/mo
Today · 4.125%
HK$104,440
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,880/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,024 · Scale 2, in force from 26 Feb 2026)