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$49,473
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,564/mo
Today · 4.125%
HK$52,576
baseline
▲ 0.50% · 4.625%
HK$55,775
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,152/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,039
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,497/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,070
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,368
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,215
−HK$1,876/mo
Today · 4.125%
HK$63,091
baseline
▲ 0.50% · 4.625%
HK$66,930
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,182/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,046
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,818
−HK$1,796/mo
Today · 4.125%
HK$69,614
baseline
▲ 0.50% · 4.625%
HK$73,284
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,228/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,263
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,417
−HK$2,189/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$78,085
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,054
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,120
−HK$2,097/mo
Today · 4.125%
HK$81,217
baseline
▲ 0.50% · 4.625%
HK$85,498
+HK$4,281/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,434/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,052
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,822
−HK$2,814/mo
Today · 4.125%
HK$94,636
baseline
▲ 0.50% · 4.625%
HK$100,395
+HK$5,759/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,272/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,069
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,726
−HK$2,696/mo
Today · 4.125%
HK$104,422
baseline
▲ 0.50% · 4.625%
HK$109,926
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,844/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,636 · Scale 2, in force from 26 Feb 2026)