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$49,629
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,568/mo
Today · 4.125%
HK$52,741
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,482/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,212
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,692
−HK$1,503/mo
Today · 4.125%
HK$58,195
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,067/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,390/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,555
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,882/mo
Today · 4.125%
HK$63,289
baseline
▲ 0.50% · 4.625%
HK$67,140
+HK$3,851/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,578/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,254
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$1,803/mo
Today · 4.125%
HK$69,834
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$3,681/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,668/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,481
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,642
−HK$2,196/mo
Today · 4.125%
HK$73,838
baseline
▲ 0.50% · 4.625%
HK$78,330
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,676/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,296
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,369
−HK$2,104/mo
Today · 4.125%
HK$81,473
baseline
▲ 0.50% · 4.625%
HK$85,767
+HK$4,294/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,946/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,332
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,111
−HK$2,823/mo
Today · 4.125%
HK$94,934
baseline
▲ 0.50% · 4.625%
HK$100,711
+HK$5,777/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,868/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,381
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,046
−HK$2,704/mo
Today · 4.125%
HK$104,750
baseline
▲ 0.50% · 4.625%
HK$110,272
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,500/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,998 · Scale 2, in force from 26 Feb 2026)