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$49,825
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,375
−HK$1,574/mo
Today · 4.125%
HK$52,949
baseline
▲ 0.50% · 4.625%
HK$56,171
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,898/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,430
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,508/mo
Today · 4.125%
HK$58,424
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,848/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,790
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,889/mo
Today · 4.125%
HK$63,539
baseline
▲ 0.50% · 4.625%
HK$67,405
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,078/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,516
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,299
−HK$1,810/mo
Today · 4.125%
HK$70,109
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,218/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,924
−HK$2,205/mo
Today · 4.125%
HK$74,129
baseline
▲ 0.50% · 4.625%
HK$78,640
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,258/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,683
−HK$2,111/mo
Today · 4.125%
HK$81,794
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,311/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,588/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,685
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,474
−HK$2,835/mo
Today · 4.125%
HK$95,309
baseline
▲ 0.50% · 4.625%
HK$101,108
+HK$5,799/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,618/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,773
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,449
−HK$2,715/mo
Today · 4.125%
HK$105,164
baseline
▲ 0.50% · 4.625%
HK$110,707
+HK$5,543/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,328/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,648 · Scale 2, in force from 26 Feb 2026)