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$49,465
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,004
−HK$1,563/mo
Today · 4.125%
HK$52,567
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,134/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,030
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,506
−HK$1,497/mo
Today · 4.125%
HK$58,003
baseline
▲ 0.50% · 4.625%
HK$61,060
+HK$3,057/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,006/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,358
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,205
−HK$1,876/mo
Today · 4.125%
HK$63,081
baseline
▲ 0.50% · 4.625%
HK$66,919
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,162/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,036
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,807
−HK$1,796/mo
Today · 4.125%
HK$69,603
baseline
▲ 0.50% · 4.625%
HK$73,272
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,206/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,252
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$2,188/mo
Today · 4.125%
HK$73,594
baseline
▲ 0.50% · 4.625%
HK$78,072
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,188/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,042
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,108
−HK$2,096/mo
Today · 4.125%
HK$81,204
baseline
▲ 0.50% · 4.625%
HK$85,484
+HK$4,280/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,408/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,038
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,807
−HK$2,814/mo
Today · 4.125%
HK$94,621
baseline
▲ 0.50% · 4.625%
HK$100,379
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,242/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,054
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,710
−HK$2,695/mo
Today · 4.125%
HK$104,405
baseline
▲ 0.50% · 4.625%
HK$109,908
+HK$5,503/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,810/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,290 · Scale 2, in force from 26 Feb 2026)