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$49,518
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,058
−HK$1,565/mo
Today · 4.125%
HK$52,623
baseline
▲ 0.50% · 4.625%
HK$55,825
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,246/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,088
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,565
−HK$1,499/mo
Today · 4.125%
HK$58,064
baseline
▲ 0.50% · 4.625%
HK$61,125
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,128/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,421
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,269
−HK$1,878/mo
Today · 4.125%
HK$63,147
baseline
▲ 0.50% · 4.625%
HK$66,990
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,294/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,105
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,878
−HK$1,799/mo
Today · 4.125%
HK$69,677
baseline
▲ 0.50% · 4.625%
HK$73,350
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,354/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,325
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,481
−HK$2,191/mo
Today · 4.125%
HK$73,672
baseline
▲ 0.50% · 4.625%
HK$78,155
+HK$4,483/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,344/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,123
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,191
−HK$2,099/mo
Today · 4.125%
HK$81,290
baseline
▲ 0.50% · 4.625%
HK$85,574
+HK$4,284/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,580/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,132
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,904
−HK$2,817/mo
Today · 4.125%
HK$94,721
baseline
▲ 0.50% · 4.625%
HK$100,484
+HK$5,763/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,442/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,158
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,817
−HK$2,698/mo
Today · 4.125%
HK$104,515
baseline
▲ 0.50% · 4.625%
HK$110,024
+HK$5,509/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$209,030/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,579 · Scale 2, in force from 26 Feb 2026)