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$49,813
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,363
−HK$1,574/mo
Today · 4.125%
HK$52,937
baseline
▲ 0.50% · 4.625%
HK$56,158
+HK$3,221/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,874/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,417
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,903
−HK$1,507/mo
Today · 4.125%
HK$58,410
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,079/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,820/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,776
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,635
−HK$1,889/mo
Today · 4.125%
HK$63,524
baseline
▲ 0.50% · 4.625%
HK$67,389
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,048/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,500
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,283
−HK$1,810/mo
Today · 4.125%
HK$70,093
baseline
▲ 0.50% · 4.625%
HK$73,787
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,186/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,738
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,908
−HK$2,203/mo
Today · 4.125%
HK$74,111
baseline
▲ 0.50% · 4.625%
HK$78,621
+HK$4,510/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,222/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,583
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,111/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,085
+HK$4,310/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,663
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,453
−HK$2,833/mo
Today · 4.125%
HK$95,286
baseline
▲ 0.50% · 4.625%
HK$101,084
+HK$5,798/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,572/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,750
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,425
−HK$2,714/mo
Today · 4.125%
HK$105,139
baseline
▲ 0.50% · 4.625%
HK$110,681
+HK$5,542/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,278/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,429 · Scale 2, in force from 26 Feb 2026)