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$49,471
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,010
−HK$1,564/mo
Today · 4.125%
HK$52,574
baseline
▲ 0.50% · 4.625%
HK$55,773
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,148/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,036
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,512
−HK$1,498/mo
Today · 4.125%
HK$58,010
baseline
▲ 0.50% · 4.625%
HK$61,068
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,020/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,366
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,212
−HK$1,876/mo
Today · 4.125%
HK$63,088
baseline
▲ 0.50% · 4.625%
HK$66,927
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,176/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,044
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,815
−HK$1,797/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,281
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,224/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,260
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,414
−HK$2,189/mo
Today · 4.125%
HK$73,603
baseline
▲ 0.50% · 4.625%
HK$78,082
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,206/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,051
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,097/mo
Today · 4.125%
HK$81,214
baseline
▲ 0.50% · 4.625%
HK$85,495
+HK$4,281/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,428/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,049
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,818
−HK$2,815/mo
Today · 4.125%
HK$94,633
baseline
▲ 0.50% · 4.625%
HK$100,391
+HK$5,758/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,266/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,066
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,722
−HK$2,696/mo
Today · 4.125%
HK$104,418
baseline
▲ 0.50% · 4.625%
HK$109,922
+HK$5,504/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,836/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,554 · Scale 2, in force from 26 Feb 2026)