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$49,479
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,018
−HK$1,564/mo
Today · 4.125%
HK$52,582
baseline
▲ 0.50% · 4.625%
HK$55,781
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,164/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,045
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,521
−HK$1,498/mo
Today · 4.125%
HK$58,019
baseline
▲ 0.50% · 4.625%
HK$61,077
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,038/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,375
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,222
−HK$1,876/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,938
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,054
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,825
−HK$1,798/mo
Today · 4.125%
HK$69,623
baseline
▲ 0.50% · 4.625%
HK$73,293
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,246/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,271
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,425
−HK$2,190/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$78,094
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,063
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,130
−HK$2,096/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$85,508
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,062
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,833
−HK$2,814/mo
Today · 4.125%
HK$94,647
baseline
▲ 0.50% · 4.625%
HK$100,406
+HK$5,759/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,294/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,081
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,738
−HK$2,696/mo
Today · 4.125%
HK$104,434
baseline
▲ 0.50% · 4.625%
HK$109,939
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,868/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,891 · Scale 2, in force from 26 Feb 2026)