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$49,480
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,564/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,046
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,522
−HK$1,498/mo
Today · 4.125%
HK$58,020
baseline
▲ 0.50% · 4.625%
HK$61,078
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,040/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,376
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,223
−HK$1,876/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,055
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,827
−HK$1,797/mo
Today · 4.125%
HK$69,624
baseline
▲ 0.50% · 4.625%
HK$73,294
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,248/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,272
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,427
−HK$2,189/mo
Today · 4.125%
HK$73,616
baseline
▲ 0.50% · 4.625%
HK$78,095
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,232/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,064
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,131
−HK$2,097/mo
Today · 4.125%
HK$81,228
baseline
▲ 0.50% · 4.625%
HK$85,510
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,456/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,064
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,834
−HK$2,815/mo
Today · 4.125%
HK$94,649
baseline
▲ 0.50% · 4.625%
HK$100,408
+HK$5,759/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,298/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,083
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,740
−HK$2,696/mo
Today · 4.125%
HK$104,436
baseline
▲ 0.50% · 4.625%
HK$109,941
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,872/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,930 · Scale 2, in force from 26 Feb 2026)