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$49,690
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,235
−HK$1,571/mo
Today · 4.125%
HK$52,806
baseline
▲ 0.50% · 4.625%
HK$56,019
+HK$3,213/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,612/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,279
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,762
−HK$1,504/mo
Today · 4.125%
HK$58,266
baseline
▲ 0.50% · 4.625%
HK$61,337
+HK$3,071/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,532/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,628
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,482
−HK$1,885/mo
Today · 4.125%
HK$63,367
baseline
▲ 0.50% · 4.625%
HK$67,223
+HK$3,856/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$126,734/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,335
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,114
−HK$1,805/mo
Today · 4.125%
HK$69,919
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$139,838/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,566
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,729
−HK$2,199/mo
Today · 4.125%
HK$73,928
baseline
▲ 0.50% · 4.625%
HK$78,426
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,856/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,391
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,467
−HK$2,105/mo
Today · 4.125%
HK$81,572
baseline
▲ 0.50% · 4.625%
HK$85,872
+HK$4,300/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,144/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,441
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,224
−HK$2,826/mo
Today · 4.125%
HK$95,050
baseline
▲ 0.50% · 4.625%
HK$100,834
+HK$5,784/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,100/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,503
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,171
−HK$2,708/mo
Today · 4.125%
HK$104,879
baseline
▲ 0.50% · 4.625%
HK$110,407
+HK$5,528/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,758/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,130 · Scale 2, in force from 26 Feb 2026)