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$49,605
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,568/mo
Today · 4.125%
HK$52,716
baseline
▲ 0.50% · 4.625%
HK$55,924
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,432/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,186
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,666
−HK$1,501/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,233
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,334/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,526
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,378
−HK$1,881/mo
Today · 4.125%
HK$63,259
baseline
▲ 0.50% · 4.625%
HK$67,108
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,518/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,223
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,999
−HK$1,801/mo
Today · 4.125%
HK$69,800
baseline
▲ 0.50% · 4.625%
HK$73,480
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,600/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,448
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,608
−HK$2,195/mo
Today · 4.125%
HK$73,803
baseline
▲ 0.50% · 4.625%
HK$78,293
+HK$4,490/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,606/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,260
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,332
−HK$2,102/mo
Today · 4.125%
HK$81,434
baseline
▲ 0.50% · 4.625%
HK$85,726
+HK$4,292/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,868/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,290
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,822/mo
Today · 4.125%
HK$94,889
baseline
▲ 0.50% · 4.625%
HK$100,663
+HK$5,774/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,778/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,334
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,998
−HK$2,703/mo
Today · 4.125%
HK$104,701
baseline
▲ 0.50% · 4.625%
HK$110,220
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,402/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,558 · Scale 2, in force from 26 Feb 2026)