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$49,094
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,552/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$55,347
+HK$3,174/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,616
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,081
−HK$1,486/mo
Today · 4.125%
HK$57,567
baseline
▲ 0.50% · 4.625%
HK$60,602
+HK$3,035/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,134/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,913
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,862/mo
Today · 4.125%
HK$62,607
baseline
▲ 0.50% · 4.625%
HK$66,417
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,214/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,540
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,298
−HK$1,783/mo
Today · 4.125%
HK$69,081
baseline
▲ 0.50% · 4.625%
HK$72,722
+HK$3,641/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,162/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,731
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,869
−HK$2,173/mo
Today · 4.125%
HK$73,042
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$4,444/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,084/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,463
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,514
−HK$2,080/mo
Today · 4.125%
HK$80,594
baseline
▲ 0.50% · 4.625%
HK$84,842
+HK$4,248/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,188/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,369
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,118
−HK$2,793/mo
Today · 4.125%
HK$93,911
baseline
▲ 0.50% · 4.625%
HK$99,625
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,822/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,310
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,946
−HK$2,675/mo
Today · 4.125%
HK$103,621
baseline
▲ 0.50% · 4.625%
HK$109,083
+HK$5,462/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,242/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,000 · Scale 2, in force from 26 Feb 2026)