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$49,504
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,564/mo
Today · 4.125%
HK$52,608
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$3,201/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,216/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,072
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,549
−HK$1,499/mo
Today · 4.125%
HK$58,048
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,060/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,096/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,405
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,252
−HK$1,878/mo
Today · 4.125%
HK$63,130
baseline
▲ 0.50% · 4.625%
HK$66,971
+HK$3,841/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$126,260/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,087
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,859
−HK$1,798/mo
Today · 4.125%
HK$69,657
baseline
▲ 0.50% · 4.625%
HK$73,329
+HK$3,672/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$139,314/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,305
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,461
−HK$2,190/mo
Today · 4.125%
HK$73,651
baseline
▲ 0.50% · 4.625%
HK$78,133
+HK$4,482/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,302/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,101
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,169
−HK$2,098/mo
Today · 4.125%
HK$81,267
baseline
▲ 0.50% · 4.625%
HK$85,551
+HK$4,284/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,534/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,107
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,879
−HK$2,816/mo
Today · 4.125%
HK$94,695
baseline
▲ 0.50% · 4.625%
HK$100,457
+HK$5,762/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,390/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,130
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,789
−HK$2,697/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$109,994
+HK$5,508/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,974 · Scale 2, in force from 26 Feb 2026)