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$49,493
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,032
−HK$1,564/mo
Today · 4.125%
HK$52,596
baseline
▲ 0.50% · 4.625%
HK$55,797
+HK$3,201/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,192/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,060
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,537
−HK$1,498/mo
Today · 4.125%
HK$58,035
baseline
▲ 0.50% · 4.625%
HK$61,094
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,070/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,391
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,239
−HK$1,877/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,956
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,072
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,844
−HK$1,798/mo
Today · 4.125%
HK$69,642
baseline
▲ 0.50% · 4.625%
HK$73,313
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,284/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,290
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,445
−HK$2,190/mo
Today · 4.125%
HK$73,635
baseline
▲ 0.50% · 4.625%
HK$78,115
+HK$4,480/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,270/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,084
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,151
−HK$2,098/mo
Today · 4.125%
HK$81,249
baseline
▲ 0.50% · 4.625%
HK$85,531
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,498/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,087
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,858
−HK$2,815/mo
Today · 4.125%
HK$94,673
baseline
▲ 0.50% · 4.625%
HK$100,434
+HK$5,761/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,346/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,108
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,766
−HK$2,697/mo
Today · 4.125%
HK$104,463
baseline
▲ 0.50% · 4.625%
HK$109,969
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,926/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,486 · Scale 2, in force from 26 Feb 2026)