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$49,490
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,030
−HK$1,564/mo
Today · 4.125%
HK$52,594
baseline
▲ 0.50% · 4.625%
HK$55,794
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,188/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,058
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,534
−HK$1,498/mo
Today · 4.125%
HK$58,032
baseline
▲ 0.50% · 4.625%
HK$61,091
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,064/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,388
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,877/mo
Today · 4.125%
HK$63,113
baseline
▲ 0.50% · 4.625%
HK$66,953
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,226/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,069
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,841
−HK$1,798/mo
Today · 4.125%
HK$69,639
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,278/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,286
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,442
−HK$2,189/mo
Today · 4.125%
HK$73,631
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$4,481/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,262/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,097/mo
Today · 4.125%
HK$81,245
baseline
▲ 0.50% · 4.625%
HK$85,527
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,490/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,083
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,854
−HK$2,815/mo
Today · 4.125%
HK$94,669
baseline
▲ 0.50% · 4.625%
HK$100,429
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,338/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,104
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,761
−HK$2,697/mo
Today · 4.125%
HK$104,458
baseline
▲ 0.50% · 4.625%
HK$109,964
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,916/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,385 · Scale 2, in force from 26 Feb 2026)