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$49,491
−HK$3,103/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$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,058
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,498/mo
Today · 4.125%
HK$58,033
baseline
▲ 0.50% · 4.625%
HK$61,092
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,066/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,389
−HK$3,724/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$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,070
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,842
−HK$1,797/mo
Today · 4.125%
HK$69,639
baseline
▲ 0.50% · 4.625%
HK$73,310
+HK$3,671/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$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,287
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,442
−HK$2,190/mo
Today · 4.125%
HK$73,632
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$4,480/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,264/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,098/mo
Today · 4.125%
HK$81,246
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,492/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,083
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,854
−HK$2,816/mo
Today · 4.125%
HK$94,670
baseline
▲ 0.50% · 4.625%
HK$100,430
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,340/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,104
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,762
−HK$2,697/mo
Today · 4.125%
HK$104,459
baseline
▲ 0.50% · 4.625%
HK$109,965
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,918/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,403 · Scale 2, in force from 26 Feb 2026)