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$49,606
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,149
−HK$1,568/mo
Today · 4.125%
HK$52,717
baseline
▲ 0.50% · 4.625%
HK$55,924
+HK$3,207/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,434/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,186
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,666
−HK$1,502/mo
Today · 4.125%
HK$58,168
baseline
▲ 0.50% · 4.625%
HK$61,234
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,336/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,527
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,379
−HK$1,881/mo
Today · 4.125%
HK$63,260
baseline
▲ 0.50% · 4.625%
HK$67,109
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,520/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,223
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,999
−HK$1,802/mo
Today · 4.125%
HK$69,801
baseline
▲ 0.50% · 4.625%
HK$73,480
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,602/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,448
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,609
−HK$2,194/mo
Today · 4.125%
HK$73,803
baseline
▲ 0.50% · 4.625%
HK$78,294
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,606/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,261
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,333
−HK$2,102/mo
Today · 4.125%
HK$81,435
baseline
▲ 0.50% · 4.625%
HK$85,727
+HK$4,292/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,870/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,291
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,068
−HK$2,822/mo
Today · 4.125%
HK$94,890
baseline
▲ 0.50% · 4.625%
HK$100,664
+HK$5,774/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,780/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,335
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,999
−HK$2,703/mo
Today · 4.125%
HK$104,702
baseline
▲ 0.50% · 4.625%
HK$110,221
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,404/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,569 · Scale 2, in force from 26 Feb 2026)