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$49,489
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,028
−HK$1,564/mo
Today · 4.125%
HK$52,592
baseline
▲ 0.50% · 4.625%
HK$55,792
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,184/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,056
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,532
−HK$1,498/mo
Today · 4.125%
HK$58,030
baseline
▲ 0.50% · 4.625%
HK$61,089
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,060/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,387
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,234
−HK$1,877/mo
Today · 4.125%
HK$63,111
baseline
▲ 0.50% · 4.625%
HK$66,951
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,222/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,067
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,839
−HK$1,797/mo
Today · 4.125%
HK$69,636
baseline
▲ 0.50% · 4.625%
HK$73,307
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,272/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,440
−HK$2,189/mo
Today · 4.125%
HK$73,629
baseline
▲ 0.50% · 4.625%
HK$78,109
+HK$4,480/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,258/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,078
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,097/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,283/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,484/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,080
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,851
−HK$2,815/mo
Today · 4.125%
HK$94,666
baseline
▲ 0.50% · 4.625%
HK$100,426
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,332/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,100
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,758
−HK$2,697/mo
Today · 4.125%
HK$104,455
baseline
▲ 0.50% · 4.625%
HK$109,961
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,910/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,319 · Scale 2, in force from 26 Feb 2026)