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$49,501
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,041
−HK$1,564/mo
Today · 4.125%
HK$52,605
baseline
▲ 0.50% · 4.625%
HK$55,806
+HK$3,201/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,210/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,069
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,546
−HK$1,499/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,104
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,401
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,249
−HK$1,877/mo
Today · 4.125%
HK$63,126
baseline
▲ 0.50% · 4.625%
HK$66,967
+HK$3,841/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$126,252/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,083
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,856
−HK$1,798/mo
Today · 4.125%
HK$69,654
baseline
▲ 0.50% · 4.625%
HK$73,325
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$139,308/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,301
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,457
−HK$2,190/mo
Today · 4.125%
HK$73,647
baseline
▲ 0.50% · 4.625%
HK$78,129
+HK$4,482/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,294/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,097
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,098/mo
Today · 4.125%
HK$81,263
baseline
▲ 0.50% · 4.625%
HK$85,546
+HK$4,283/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,526/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,102
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,873
−HK$2,816/mo
Today · 4.125%
HK$94,689
baseline
▲ 0.50% · 4.625%
HK$100,451
+HK$5,762/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,378/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,125
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,783
−HK$2,697/mo
Today · 4.125%
HK$104,480
baseline
▲ 0.50% · 4.625%
HK$109,988
+HK$5,508/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$208,960/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,855 · Scale 2, in force from 26 Feb 2026)