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$49,438
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,976
−HK$1,562/mo
Today · 4.125%
HK$52,538
baseline
▲ 0.50% · 4.625%
HK$55,735
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,076/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,999
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,474
−HK$1,496/mo
Today · 4.125%
HK$57,970
baseline
▲ 0.50% · 4.625%
HK$61,026
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,940/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,325
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,171
−HK$1,875/mo
Today · 4.125%
HK$63,046
baseline
▲ 0.50% · 4.625%
HK$66,882
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,092/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,999
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,769
−HK$1,796/mo
Today · 4.125%
HK$69,565
baseline
▲ 0.50% · 4.625%
HK$73,231
+HK$3,666/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,130/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,213
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,366
−HK$2,187/mo
Today · 4.125%
HK$73,553
baseline
▲ 0.50% · 4.625%
HK$78,029
+HK$4,476/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,106/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,095/mo
Today · 4.125%
HK$81,159
baseline
▲ 0.50% · 4.625%
HK$85,437
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,318/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,988
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,756
−HK$2,812/mo
Today · 4.125%
HK$94,568
baseline
▲ 0.50% · 4.625%
HK$100,323
+HK$5,755/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,136/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,998
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,653
−HK$2,694/mo
Today · 4.125%
HK$104,347
baseline
▲ 0.50% · 4.625%
HK$109,847
+HK$5,500/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,694/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,081 · Scale 2, in force from 26 Feb 2026)