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$49,383
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,919
−HK$1,561/mo
Today · 4.125%
HK$52,480
baseline
▲ 0.50% · 4.625%
HK$55,673
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,960/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,938
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,412
−HK$1,494/mo
Today · 4.125%
HK$57,906
baseline
▲ 0.50% · 4.625%
HK$60,959
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,812/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,260
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,103
−HK$1,873/mo
Today · 4.125%
HK$62,976
baseline
▲ 0.50% · 4.625%
HK$66,808
+HK$3,832/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,952/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,926
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,694
−HK$1,793/mo
Today · 4.125%
HK$69,487
baseline
▲ 0.50% · 4.625%
HK$73,150
+HK$3,663/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,974/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,136
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,287
−HK$2,185/mo
Today · 4.125%
HK$73,472
baseline
▲ 0.50% · 4.625%
HK$77,942
+HK$4,470/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,944/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,913
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,976
−HK$2,093/mo
Today · 4.125%
HK$81,069
baseline
▲ 0.50% · 4.625%
HK$85,342
+HK$4,273/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,138/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,889
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,654
−HK$2,810/mo
Today · 4.125%
HK$94,464
baseline
▲ 0.50% · 4.625%
HK$100,211
+HK$5,747/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,928/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,889
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,541
−HK$2,690/mo
Today · 4.125%
HK$104,231
baseline
▲ 0.50% · 4.625%
HK$109,725
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,462/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,678 · Scale 2, in force from 26 Feb 2026)