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$49,484
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,564/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,498/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,381
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,228
−HK$1,877/mo
Today · 4.125%
HK$63,105
baseline
▲ 0.50% · 4.625%
HK$66,944
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,210/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,061
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,832
−HK$1,798/mo
Today · 4.125%
HK$69,630
baseline
▲ 0.50% · 4.625%
HK$73,300
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,260/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,278
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,433
−HK$2,189/mo
Today · 4.125%
HK$73,622
baseline
▲ 0.50% · 4.625%
HK$78,102
+HK$4,480/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,244/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,071
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,138
−HK$2,097/mo
Today · 4.125%
HK$81,235
baseline
▲ 0.50% · 4.625%
HK$85,517
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,470/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,071
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,842
−HK$2,815/mo
Today · 4.125%
HK$94,657
baseline
▲ 0.50% · 4.625%
HK$100,417
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,314/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,091
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,749
−HK$2,696/mo
Today · 4.125%
HK$104,445
baseline
▲ 0.50% · 4.625%
HK$109,950
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,890/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,114 · Scale 2, in force from 26 Feb 2026)