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$49,440
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,978
−HK$1,562/mo
Today · 4.125%
HK$52,540
baseline
▲ 0.50% · 4.625%
HK$55,737
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,080/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,001
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,476
−HK$1,497/mo
Today · 4.125%
HK$57,973
baseline
▲ 0.50% · 4.625%
HK$61,029
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,946/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,328
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,173
−HK$1,875/mo
Today · 4.125%
HK$63,048
baseline
▲ 0.50% · 4.625%
HK$66,884
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,096/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,001
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,772
−HK$1,795/mo
Today · 4.125%
HK$69,567
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,134/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,216
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,369
−HK$2,187/mo
Today · 4.125%
HK$73,556
baseline
▲ 0.50% · 4.625%
HK$78,032
+HK$4,476/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,112/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,002
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,067
−HK$2,095/mo
Today · 4.125%
HK$81,162
baseline
▲ 0.50% · 4.625%
HK$85,440
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,324/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,992
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,760
−HK$2,812/mo
Today · 4.125%
HK$94,572
baseline
▲ 0.50% · 4.625%
HK$100,327
+HK$5,755/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,144/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,002
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,657
−HK$2,694/mo
Today · 4.125%
HK$104,351
baseline
▲ 0.50% · 4.625%
HK$109,851
+HK$5,500/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,702/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,167 · Scale 2, in force from 26 Feb 2026)