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$49,477
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,016
−HK$1,564/mo
Today · 4.125%
HK$52,580
baseline
▲ 0.50% · 4.625%
HK$55,779
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,160/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,043
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,519
−HK$1,498/mo
Today · 4.125%
HK$58,017
baseline
▲ 0.50% · 4.625%
HK$61,075
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,034/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,373
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,219
−HK$1,877/mo
Today · 4.125%
HK$63,096
baseline
▲ 0.50% · 4.625%
HK$66,935
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,192/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,051
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,823
−HK$1,797/mo
Today · 4.125%
HK$69,620
baseline
▲ 0.50% · 4.625%
HK$73,290
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,240/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,268
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$2,189/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$78,091
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,060
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,127
−HK$2,096/mo
Today · 4.125%
HK$81,223
baseline
▲ 0.50% · 4.625%
HK$85,505
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,446/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,059
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,829
−HK$2,815/mo
Today · 4.125%
HK$94,644
baseline
▲ 0.50% · 4.625%
HK$100,402
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,288/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,077
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,734
−HK$2,696/mo
Today · 4.125%
HK$104,430
baseline
▲ 0.50% · 4.625%
HK$109,934
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,860/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,805 · Scale 2, in force from 26 Feb 2026)