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$49,458
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,997
−HK$1,563/mo
Today · 4.125%
HK$52,560
baseline
▲ 0.50% · 4.625%
HK$55,758
+HK$3,198/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,120/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,022
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,498
−HK$1,497/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,051
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,350
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,196
−HK$1,876/mo
Today · 4.125%
HK$63,072
baseline
▲ 0.50% · 4.625%
HK$66,909
+HK$3,837/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$126,144/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,026
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,797
−HK$1,796/mo
Today · 4.125%
HK$69,593
baseline
▲ 0.50% · 4.625%
HK$73,262
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$139,186/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,242
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,395
−HK$2,189/mo
Today · 4.125%
HK$73,584
baseline
▲ 0.50% · 4.625%
HK$78,061
+HK$4,477/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,168/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,031
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,097
−HK$2,095/mo
Today · 4.125%
HK$81,192
baseline
▲ 0.50% · 4.625%
HK$85,472
+HK$4,280/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,384/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,025
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,794
−HK$2,814/mo
Today · 4.125%
HK$94,608
baseline
▲ 0.50% · 4.625%
HK$100,364
+HK$5,756/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,216/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,039
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,696
−HK$2,694/mo
Today · 4.125%
HK$104,390
baseline
▲ 0.50% · 4.625%
HK$109,893
+HK$5,503/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,780/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,980 · Scale 2, in force from 26 Feb 2026)