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$49,443
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,981
−HK$1,562/mo
Today · 4.125%
HK$52,543
baseline
▲ 0.50% · 4.625%
HK$55,740
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,086/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,005
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,480
−HK$1,496/mo
Today · 4.125%
HK$57,976
baseline
▲ 0.50% · 4.625%
HK$61,032
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,952/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,331
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,177
−HK$1,875/mo
Today · 4.125%
HK$63,052
baseline
▲ 0.50% · 4.625%
HK$66,888
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,104/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,005
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,776
−HK$1,796/mo
Today · 4.125%
HK$69,572
baseline
▲ 0.50% · 4.625%
HK$73,239
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,144/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,220
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,373
−HK$2,188/mo
Today · 4.125%
HK$73,561
baseline
▲ 0.50% · 4.625%
HK$78,037
+HK$4,476/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,122/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,006
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,072
−HK$2,095/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$85,445
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,997
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,765
−HK$2,813/mo
Today · 4.125%
HK$94,578
baseline
▲ 0.50% · 4.625%
HK$100,333
+HK$5,755/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,156/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,008
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,664
−HK$2,693/mo
Today · 4.125%
HK$104,357
baseline
▲ 0.50% · 4.625%
HK$109,858
+HK$5,501/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,714/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,299 · Scale 2, in force from 26 Feb 2026)