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$49,482
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,021
−HK$1,564/mo
Today · 4.125%
HK$52,585
baseline
▲ 0.50% · 4.625%
HK$55,784
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,170/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,048
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,524
−HK$1,498/mo
Today · 4.125%
HK$58,022
baseline
▲ 0.50% · 4.625%
HK$61,080
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,044/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,378
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,225
−HK$1,877/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,941
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,058
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,829
−HK$1,797/mo
Today · 4.125%
HK$69,626
baseline
▲ 0.50% · 4.625%
HK$73,297
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,252/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,274
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,429
−HK$2,190/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$78,098
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,067
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,134
−HK$2,097/mo
Today · 4.125%
HK$81,231
baseline
▲ 0.50% · 4.625%
HK$85,513
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,462/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,067
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,838
−HK$2,814/mo
Today · 4.125%
HK$94,652
baseline
▲ 0.50% · 4.625%
HK$100,412
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,304/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,086
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,744
−HK$2,696/mo
Today · 4.125%
HK$104,440
baseline
▲ 0.50% · 4.625%
HK$109,945
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,880/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,008 · Scale 2, in force from 26 Feb 2026)