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$49,847
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,397
−HK$1,575/mo
Today · 4.125%
HK$52,972
baseline
▲ 0.50% · 4.625%
HK$56,196
+HK$3,224/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,944/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,454
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,941
−HK$1,509/mo
Today · 4.125%
HK$58,450
baseline
▲ 0.50% · 4.625%
HK$61,531
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,900/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,816
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,677
−HK$1,890/mo
Today · 4.125%
HK$63,567
baseline
▲ 0.50% · 4.625%
HK$67,435
+HK$3,868/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$127,134/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,545
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,329
−HK$1,811/mo
Today · 4.125%
HK$70,140
baseline
▲ 0.50% · 4.625%
HK$73,837
+HK$3,697/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$140,280/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,785
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,956
−HK$2,205/mo
Today · 4.125%
HK$74,161
baseline
▲ 0.50% · 4.625%
HK$78,674
+HK$4,513/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,322/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,635
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,718
−HK$2,112/mo
Today · 4.125%
HK$81,830
baseline
▲ 0.50% · 4.625%
HK$86,143
+HK$4,313/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,660/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,724
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,515
−HK$2,835/mo
Today · 4.125%
HK$95,350
baseline
▲ 0.50% · 4.625%
HK$101,152
+HK$5,802/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,700/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,817
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,494
−HK$2,716/mo
Today · 4.125%
HK$105,210
baseline
▲ 0.50% · 4.625%
HK$110,755
+HK$5,545/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,420/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,054 · Scale 2, in force from 26 Feb 2026)