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$49,467
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,005
−HK$1,564/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,767
+HK$3,198/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,031
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,497/mo
Today · 4.125%
HK$58,004
baseline
▲ 0.50% · 4.625%
HK$61,062
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,008/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,360
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,207
−HK$1,876/mo
Today · 4.125%
HK$63,083
baseline
▲ 0.50% · 4.625%
HK$66,921
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,166/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,038
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,809
−HK$1,796/mo
Today · 4.125%
HK$69,605
baseline
▲ 0.50% · 4.625%
HK$73,274
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,210/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,254
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,408
−HK$2,188/mo
Today · 4.125%
HK$73,596
baseline
▲ 0.50% · 4.625%
HK$78,074
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,192/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,044
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,110
−HK$2,096/mo
Today · 4.125%
HK$81,206
baseline
▲ 0.50% · 4.625%
HK$85,487
+HK$4,281/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,412/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,040
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,810
−HK$2,814/mo
Today · 4.125%
HK$94,624
baseline
▲ 0.50% · 4.625%
HK$100,381
+HK$5,757/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,248/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,056
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,713
−HK$2,695/mo
Today · 4.125%
HK$104,408
baseline
▲ 0.50% · 4.625%
HK$109,912
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,816/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,353 · Scale 2, in force from 26 Feb 2026)