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$49,302
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,836
−HK$1,558/mo
Today · 4.125%
HK$52,394
baseline
▲ 0.50% · 4.625%
HK$55,582
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,788/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,848
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,319
−HK$1,492/mo
Today · 4.125%
HK$57,811
baseline
▲ 0.50% · 4.625%
HK$60,859
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,622/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,162
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,003
−HK$1,869/mo
Today · 4.125%
HK$62,872
baseline
▲ 0.50% · 4.625%
HK$66,698
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,744/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,818
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,583
−HK$1,791/mo
Today · 4.125%
HK$69,374
baseline
▲ 0.50% · 4.625%
HK$73,030
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,748/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,023
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,170
−HK$2,181/mo
Today · 4.125%
HK$73,351
baseline
▲ 0.50% · 4.625%
HK$77,814
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,702/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,787
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,847
−HK$2,089/mo
Today · 4.125%
HK$80,936
baseline
▲ 0.50% · 4.625%
HK$85,202
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,872/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,744
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,504
−HK$2,805/mo
Today · 4.125%
HK$94,309
baseline
▲ 0.50% · 4.625%
HK$100,047
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,618/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,726
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,374
−HK$2,686/mo
Today · 4.125%
HK$104,060
baseline
▲ 0.50% · 4.625%
HK$109,545
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,120/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,127 · Scale 2, in force from 26 Feb 2026)