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$49,483
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,022
−HK$1,564/mo
Today · 4.125%
HK$52,586
baseline
▲ 0.50% · 4.625%
HK$55,786
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,172/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,050
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,498/mo
Today · 4.125%
HK$58,024
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,048/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,380
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,227
−HK$1,876/mo
Today · 4.125%
HK$63,103
baseline
▲ 0.50% · 4.625%
HK$66,943
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,206/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,059
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,831
−HK$1,797/mo
Today · 4.125%
HK$69,628
baseline
▲ 0.50% · 4.625%
HK$73,299
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,256/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,276
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,431
−HK$2,190/mo
Today · 4.125%
HK$73,621
baseline
▲ 0.50% · 4.625%
HK$78,100
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,242/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,069
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,136
−HK$2,097/mo
Today · 4.125%
HK$81,233
baseline
▲ 0.50% · 4.625%
HK$85,515
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,466/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,070
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,840
−HK$2,815/mo
Today · 4.125%
HK$94,655
baseline
▲ 0.50% · 4.625%
HK$100,415
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,310/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,089
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,747
−HK$2,696/mo
Today · 4.125%
HK$104,443
baseline
▲ 0.50% · 4.625%
HK$109,948
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,886/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,071 · Scale 2, in force from 26 Feb 2026)