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$50,257
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,820
−HK$1,588/mo
Today · 4.125%
HK$53,408
baseline
▲ 0.50% · 4.625%
HK$56,658
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,816/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,910
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,410
−HK$1,521/mo
Today · 4.125%
HK$58,931
baseline
▲ 0.50% · 4.625%
HK$62,037
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,862/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,308
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,184
−HK$1,906/mo
Today · 4.125%
HK$64,090
baseline
▲ 0.50% · 4.625%
HK$67,990
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,180/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,092
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,892
−HK$1,825/mo
Today · 4.125%
HK$70,717
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,434/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,548
−HK$2,224/mo
Today · 4.125%
HK$74,772
baseline
▲ 0.50% · 4.625%
HK$79,321
+HK$4,549/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,544/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,274
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,374
−HK$2,129/mo
Today · 4.125%
HK$82,503
baseline
▲ 0.50% · 4.625%
HK$86,852
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,006/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,462
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,276
−HK$2,859/mo
Today · 4.125%
HK$96,135
baseline
▲ 0.50% · 4.625%
HK$101,985
+HK$5,850/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,270/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,638
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,338
−HK$2,738/mo
Today · 4.125%
HK$106,076
baseline
▲ 0.50% · 4.625%
HK$111,667
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,152/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,700 · Scale 2, in force from 26 Feb 2026)