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$49,134
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,662
−HK$1,553/mo
Today · 4.125%
HK$52,215
baseline
▲ 0.50% · 4.625%
HK$55,392
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,430/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,661
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,127
−HK$1,487/mo
Today · 4.125%
HK$57,614
baseline
▲ 0.50% · 4.625%
HK$60,651
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,228/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,961
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,795
−HK$1,863/mo
Today · 4.125%
HK$62,658
baseline
▲ 0.50% · 4.625%
HK$66,471
+HK$3,813/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,316/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,593
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,353
−HK$1,784/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$72,781
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,788
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,927
−HK$2,174/mo
Today · 4.125%
HK$73,101
baseline
▲ 0.50% · 4.625%
HK$77,549
+HK$4,448/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,202/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,526
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,578
−HK$2,082/mo
Today · 4.125%
HK$80,660
baseline
▲ 0.50% · 4.625%
HK$84,912
+HK$4,252/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,320/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,441
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,192
−HK$2,795/mo
Today · 4.125%
HK$93,987
baseline
▲ 0.50% · 4.625%
HK$99,706
+HK$5,719/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,974/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,390
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,029
−HK$2,677/mo
Today · 4.125%
HK$103,706
baseline
▲ 0.50% · 4.625%
HK$109,172
+HK$5,466/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,412/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,759 · Scale 2, in force from 26 Feb 2026)