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$49,472
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,011
−HK$1,564/mo
Today · 4.125%
HK$52,575
baseline
▲ 0.50% · 4.625%
HK$55,774
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,150/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,038
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,514
−HK$1,497/mo
Today · 4.125%
HK$58,011
baseline
▲ 0.50% · 4.625%
HK$61,069
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,022/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,367
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,214
−HK$1,876/mo
Today · 4.125%
HK$63,090
baseline
▲ 0.50% · 4.625%
HK$66,929
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,180/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,045
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,816
−HK$1,797/mo
Today · 4.125%
HK$69,613
baseline
▲ 0.50% · 4.625%
HK$73,283
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,226/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,261
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$2,189/mo
Today · 4.125%
HK$73,605
baseline
▲ 0.50% · 4.625%
HK$78,083
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,210/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,053
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,097/mo
Today · 4.125%
HK$81,216
baseline
▲ 0.50% · 4.625%
HK$85,497
+HK$4,281/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,432/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,050
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,820
−HK$2,815/mo
Today · 4.125%
HK$94,635
baseline
▲ 0.50% · 4.625%
HK$100,393
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,270/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,068
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,725
−HK$2,695/mo
Today · 4.125%
HK$104,420
baseline
▲ 0.50% · 4.625%
HK$109,924
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,840/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,601 · Scale 2, in force from 26 Feb 2026)