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$49,437
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,975
−HK$1,562/mo
Today · 4.125%
HK$52,537
baseline
▲ 0.50% · 4.625%
HK$55,734
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,074/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,998
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,473
−HK$1,496/mo
Today · 4.125%
HK$57,969
baseline
▲ 0.50% · 4.625%
HK$61,025
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,938/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,324
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,170
−HK$1,874/mo
Today · 4.125%
HK$63,044
baseline
▲ 0.50% · 4.625%
HK$66,881
+HK$3,837/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,088/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,998
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,768
−HK$1,795/mo
Today · 4.125%
HK$69,563
baseline
▲ 0.50% · 4.625%
HK$73,230
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,126/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,212
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,364
−HK$2,188/mo
Today · 4.125%
HK$73,552
baseline
▲ 0.50% · 4.625%
HK$78,027
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,104/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,997
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,062
−HK$2,095/mo
Today · 4.125%
HK$81,157
baseline
▲ 0.50% · 4.625%
HK$85,435
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,314/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,986
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,754
−HK$2,813/mo
Today · 4.125%
HK$94,567
baseline
▲ 0.50% · 4.625%
HK$100,321
+HK$5,754/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,134/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,996
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,651
−HK$2,694/mo
Today · 4.125%
HK$104,345
baseline
▲ 0.50% · 4.625%
HK$109,845
+HK$5,500/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,690/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,041 · Scale 2, in force from 26 Feb 2026)