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$49,464
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,003
−HK$1,563/mo
Today · 4.125%
HK$52,566
baseline
▲ 0.50% · 4.625%
HK$55,765
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,132/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,029
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,505
−HK$1,497/mo
Today · 4.125%
HK$58,002
baseline
▲ 0.50% · 4.625%
HK$61,059
+HK$3,057/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,004/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,204
−HK$1,876/mo
Today · 4.125%
HK$63,080
baseline
▲ 0.50% · 4.625%
HK$66,918
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,160/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$1,797/mo
Today · 4.125%
HK$69,602
baseline
▲ 0.50% · 4.625%
HK$73,271
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,204/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,250
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,404
−HK$2,189/mo
Today · 4.125%
HK$73,593
baseline
▲ 0.50% · 4.625%
HK$78,071
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,186/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,040
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,106
−HK$2,096/mo
Today · 4.125%
HK$81,202
baseline
▲ 0.50% · 4.625%
HK$85,483
+HK$4,281/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,404/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,036
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,806
−HK$2,813/mo
Today · 4.125%
HK$94,619
baseline
▲ 0.50% · 4.625%
HK$100,377
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,238/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,052
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,708
−HK$2,695/mo
Today · 4.125%
HK$104,403
baseline
▲ 0.50% · 4.625%
HK$109,906
+HK$5,503/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,806/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,251 · Scale 2, in force from 26 Feb 2026)