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$49,450
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,563/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,748
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,012
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,488
−HK$1,496/mo
Today · 4.125%
HK$57,984
baseline
▲ 0.50% · 4.625%
HK$61,041
+HK$3,057/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,968/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,340
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,185
−HK$1,876/mo
Today · 4.125%
HK$63,061
baseline
▲ 0.50% · 4.625%
HK$66,898
+HK$3,837/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,122/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,015
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,785
−HK$1,796/mo
Today · 4.125%
HK$69,581
baseline
▲ 0.50% · 4.625%
HK$73,249
+HK$3,668/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,162/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,230
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,383
−HK$2,188/mo
Today · 4.125%
HK$73,571
baseline
▲ 0.50% · 4.625%
HK$78,047
+HK$4,476/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,142/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,017
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,083
−HK$2,095/mo
Today · 4.125%
HK$81,178
baseline
▲ 0.50% · 4.625%
HK$85,457
+HK$4,279/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,356/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,009
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,778
−HK$2,813/mo
Today · 4.125%
HK$94,591
baseline
▲ 0.50% · 4.625%
HK$100,347
+HK$5,756/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,182/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,022
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,678
−HK$2,694/mo
Today · 4.125%
HK$104,372
baseline
▲ 0.50% · 4.625%
HK$109,873
+HK$5,501/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,744/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,601 · Scale 2, in force from 26 Feb 2026)