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$49,475
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,563/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,777
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,040
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,498/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,072
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,370
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,217
−HK$1,876/mo
Today · 4.125%
HK$63,093
baseline
▲ 0.50% · 4.625%
HK$66,932
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,186/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,048
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,820
−HK$1,797/mo
Today · 4.125%
HK$69,617
baseline
▲ 0.50% · 4.625%
HK$73,286
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,234/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,265
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,419
−HK$2,189/mo
Today · 4.125%
HK$73,608
baseline
▲ 0.50% · 4.625%
HK$78,087
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,216/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,056
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,123
−HK$2,096/mo
Today · 4.125%
HK$81,219
baseline
▲ 0.50% · 4.625%
HK$85,501
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,438/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,055
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,825
−HK$2,814/mo
Today · 4.125%
HK$94,639
baseline
▲ 0.50% · 4.625%
HK$100,398
+HK$5,759/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,278/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,072
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,729
−HK$2,696/mo
Today · 4.125%
HK$104,425
baseline
▲ 0.50% · 4.625%
HK$109,929
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,850/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,704 · Scale 2, in force from 26 Feb 2026)