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$49,709
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,256
−HK$1,571/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$56,041
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,301
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,505/mo
Today · 4.125%
HK$58,289
baseline
▲ 0.50% · 4.625%
HK$61,362
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,578/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,651
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,507
−HK$1,885/mo
Today · 4.125%
HK$63,392
baseline
▲ 0.50% · 4.625%
HK$67,249
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,784/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,362
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,141
−HK$1,806/mo
Today · 4.125%
HK$69,947
baseline
▲ 0.50% · 4.625%
HK$73,634
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,894/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,593
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,758
−HK$2,199/mo
Today · 4.125%
HK$73,957
baseline
▲ 0.50% · 4.625%
HK$78,458
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,914/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,422
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,498
−HK$2,107/mo
Today · 4.125%
HK$81,605
baseline
▲ 0.50% · 4.625%
HK$85,906
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,210/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,477
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,260
−HK$2,828/mo
Today · 4.125%
HK$95,088
baseline
▲ 0.50% · 4.625%
HK$100,874
+HK$5,786/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,176/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,542
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,212
−HK$2,708/mo
Today · 4.125%
HK$104,920
baseline
▲ 0.50% · 4.625%
HK$110,451
+HK$5,531/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,840/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,499 · Scale 2, in force from 26 Feb 2026)