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$49,818
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,368
−HK$1,574/mo
Today · 4.125%
HK$52,942
baseline
▲ 0.50% · 4.625%
HK$56,163
+HK$3,221/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,884/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,422
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,508/mo
Today · 4.125%
HK$58,416
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,079/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,832/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,781
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,641
−HK$1,889/mo
Today · 4.125%
HK$63,530
baseline
▲ 0.50% · 4.625%
HK$67,396
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,060/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,506
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,290
−HK$1,809/mo
Today · 4.125%
HK$70,099
baseline
▲ 0.50% · 4.625%
HK$73,794
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,198/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,745
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,915
−HK$2,204/mo
Today · 4.125%
HK$74,119
baseline
▲ 0.50% · 4.625%
HK$78,629
+HK$4,510/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,238/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,591
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,672
−HK$2,111/mo
Today · 4.125%
HK$81,783
baseline
▲ 0.50% · 4.625%
HK$86,094
+HK$4,311/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,566/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,672
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,462
−HK$2,833/mo
Today · 4.125%
HK$95,295
baseline
▲ 0.50% · 4.625%
HK$101,094
+HK$5,799/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,590/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,759
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,435
−HK$2,714/mo
Today · 4.125%
HK$105,149
baseline
▲ 0.50% · 4.625%
HK$110,692
+HK$5,543/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,298/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,519 · Scale 2, in force from 26 Feb 2026)