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$49,469
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,008
−HK$1,564/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,770
+HK$3,198/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$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,034
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,510
−HK$1,498/mo
Today · 4.125%
HK$58,008
baseline
▲ 0.50% · 4.625%
HK$61,065
+HK$3,057/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$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,363
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,210
−HK$1,876/mo
Today · 4.125%
HK$63,086
baseline
▲ 0.50% · 4.625%
HK$66,924
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,172/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,041
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,812
−HK$1,797/mo
Today · 4.125%
HK$69,609
baseline
▲ 0.50% · 4.625%
HK$73,278
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,218/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,257
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,411
−HK$2,189/mo
Today · 4.125%
HK$73,600
baseline
▲ 0.50% · 4.625%
HK$78,079
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,200/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,048
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,114
−HK$2,097/mo
Today · 4.125%
HK$81,211
baseline
▲ 0.50% · 4.625%
HK$85,491
+HK$4,280/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$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,045
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,815
−HK$2,814/mo
Today · 4.125%
HK$94,629
baseline
▲ 0.50% · 4.625%
HK$100,387
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,258/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,062
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,718
−HK$2,696/mo
Today · 4.125%
HK$104,414
baseline
▲ 0.50% · 4.625%
HK$109,917
+HK$5,503/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,828/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,466 · Scale 2, in force from 26 Feb 2026)