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$49,492
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,031
−HK$1,564/mo
Today · 4.125%
HK$52,595
baseline
▲ 0.50% · 4.625%
HK$55,796
+HK$3,201/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,190/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,059
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,536
−HK$1,498/mo
Today · 4.125%
HK$58,034
baseline
▲ 0.50% · 4.625%
HK$61,093
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,068/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,390
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,238
−HK$1,877/mo
Today · 4.125%
HK$63,115
baseline
▲ 0.50% · 4.625%
HK$66,955
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,230/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,071
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,843
−HK$1,798/mo
Today · 4.125%
HK$69,641
baseline
▲ 0.50% · 4.625%
HK$73,312
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,282/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,289
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,444
−HK$2,190/mo
Today · 4.125%
HK$73,634
baseline
▲ 0.50% · 4.625%
HK$78,114
+HK$4,480/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,268/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,083
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,150
−HK$2,097/mo
Today · 4.125%
HK$81,247
baseline
▲ 0.50% · 4.625%
HK$85,530
+HK$4,283/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,494/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,085
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,856
−HK$2,816/mo
Today · 4.125%
HK$94,672
baseline
▲ 0.50% · 4.625%
HK$100,432
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,344/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,107
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,765
−HK$2,696/mo
Today · 4.125%
HK$104,461
baseline
▲ 0.50% · 4.625%
HK$109,967
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,922/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,452 · Scale 2, in force from 26 Feb 2026)