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$49,452
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,990
−HK$1,563/mo
Today · 4.125%
HK$52,553
baseline
▲ 0.50% · 4.625%
HK$55,751
+HK$3,198/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,106/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,015
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,497/mo
Today · 4.125%
HK$57,987
baseline
▲ 0.50% · 4.625%
HK$61,044
+HK$3,057/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,974/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,342
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,188
−HK$1,876/mo
Today · 4.125%
HK$63,064
baseline
▲ 0.50% · 4.625%
HK$66,901
+HK$3,837/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,128/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,018
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,788
−HK$1,797/mo
Today · 4.125%
HK$69,585
baseline
▲ 0.50% · 4.625%
HK$73,252
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,170/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,233
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,386
−HK$2,188/mo
Today · 4.125%
HK$73,574
baseline
▲ 0.50% · 4.625%
HK$78,051
+HK$4,477/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,148/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,021
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,086
−HK$2,096/mo
Today · 4.125%
HK$81,182
baseline
▲ 0.50% · 4.625%
HK$85,461
+HK$4,279/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,364/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,014
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,782
−HK$2,813/mo
Today · 4.125%
HK$94,595
baseline
▲ 0.50% · 4.625%
HK$100,351
+HK$5,756/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,190/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,027
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,682
−HK$2,695/mo
Today · 4.125%
HK$104,377
baseline
▲ 0.50% · 4.625%
HK$109,879
+HK$5,502/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,754/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,702 · Scale 2, in force from 26 Feb 2026)