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$49,494
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,034
−HK$1,564/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,798
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,062
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,538
−HK$1,499/mo
Today · 4.125%
HK$58,037
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,074/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,393
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,240
−HK$1,877/mo
Today · 4.125%
HK$63,117
baseline
▲ 0.50% · 4.625%
HK$66,958
+HK$3,841/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,234/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,074
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,846
−HK$1,798/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,292
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,447
−HK$2,190/mo
Today · 4.125%
HK$73,637
baseline
▲ 0.50% · 4.625%
HK$78,118
+HK$4,481/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,274/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,086
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,154
−HK$2,097/mo
Today · 4.125%
HK$81,251
baseline
▲ 0.50% · 4.625%
HK$85,534
+HK$4,283/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,502/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,089
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,861
−HK$2,815/mo
Today · 4.125%
HK$94,676
baseline
▲ 0.50% · 4.625%
HK$100,437
+HK$5,761/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,352/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,111
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,769
−HK$2,697/mo
Today · 4.125%
HK$104,466
baseline
▲ 0.50% · 4.625%
HK$109,972
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,932/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,553 · Scale 2, in force from 26 Feb 2026)