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$49,137
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,666
−HK$1,553/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$55,396
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,665
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,131
−HK$1,487/mo
Today · 4.125%
HK$57,618
baseline
▲ 0.50% · 4.625%
HK$60,655
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,236/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,965
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,799
−HK$1,863/mo
Today · 4.125%
HK$62,662
baseline
▲ 0.50% · 4.625%
HK$66,475
+HK$3,813/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,324/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,598
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,357
−HK$1,785/mo
Today · 4.125%
HK$69,142
baseline
▲ 0.50% · 4.625%
HK$72,786
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,284/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,932
−HK$2,174/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$77,554
+HK$4,448/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,531
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,583
−HK$2,082/mo
Today · 4.125%
HK$80,665
baseline
▲ 0.50% · 4.625%
HK$84,917
+HK$4,252/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,330/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,447
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,198
−HK$2,795/mo
Today · 4.125%
HK$93,993
baseline
▲ 0.50% · 4.625%
HK$99,713
+HK$5,720/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,986/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,396
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,035
−HK$2,677/mo
Today · 4.125%
HK$103,712
baseline
▲ 0.50% · 4.625%
HK$109,179
+HK$5,467/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,424/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,900 · Scale 2, in force from 26 Feb 2026)