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$49,470
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,009
−HK$1,563/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,771
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,144/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,035
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,511
−HK$1,497/mo
Today · 4.125%
HK$58,008
baseline
▲ 0.50% · 4.625%
HK$61,066
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,016/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,364
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,210
−HK$1,877/mo
Today · 4.125%
HK$63,087
baseline
▲ 0.50% · 4.625%
HK$66,925
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,174/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,042
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,813
−HK$1,797/mo
Today · 4.125%
HK$69,610
baseline
▲ 0.50% · 4.625%
HK$73,279
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,220/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,258
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,412
−HK$2,189/mo
Today · 4.125%
HK$73,601
baseline
▲ 0.50% · 4.625%
HK$78,079
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,202/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,049
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,115
−HK$2,096/mo
Today · 4.125%
HK$81,211
baseline
▲ 0.50% · 4.625%
HK$85,492
+HK$4,281/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,422/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,046
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,816
−HK$2,814/mo
Today · 4.125%
HK$94,630
baseline
▲ 0.50% · 4.625%
HK$100,388
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,260/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,063
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,719
−HK$2,696/mo
Today · 4.125%
HK$104,415
baseline
▲ 0.50% · 4.625%
HK$109,919
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,830/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,490 · Scale 2, in force from 26 Feb 2026)