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$49,361
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,896
−HK$1,560/mo
Today · 4.125%
HK$52,456
baseline
▲ 0.50% · 4.625%
HK$55,648
+HK$3,192/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,912/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,913
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,386
−HK$1,494/mo
Today · 4.125%
HK$57,880
baseline
▲ 0.50% · 4.625%
HK$60,931
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,760/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,233
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,075
−HK$1,872/mo
Today · 4.125%
HK$62,947
baseline
▲ 0.50% · 4.625%
HK$66,777
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,894/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,896
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,663
−HK$1,793/mo
Today · 4.125%
HK$69,456
baseline
▲ 0.50% · 4.625%
HK$73,117
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,912/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,105
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$2,183/mo
Today · 4.125%
HK$73,438
baseline
▲ 0.50% · 4.625%
HK$77,907
+HK$4,469/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,876/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,879
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,940
−HK$2,092/mo
Today · 4.125%
HK$81,032
baseline
▲ 0.50% · 4.625%
HK$85,303
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,064/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,849
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,613
−HK$2,808/mo
Today · 4.125%
HK$94,421
baseline
▲ 0.50% · 4.625%
HK$100,166
+HK$5,745/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,842/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,844
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,495
−HK$2,689/mo
Today · 4.125%
HK$104,184
baseline
▲ 0.50% · 4.625%
HK$109,676
+HK$5,492/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,368/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,700 · Scale 2, in force from 26 Feb 2026)