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$49,107
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,634
−HK$1,552/mo
Today · 4.125%
HK$52,186
baseline
▲ 0.50% · 4.625%
HK$55,362
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,372/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,631
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,096
−HK$1,486/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,928
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,761
−HK$1,863/mo
Today · 4.125%
HK$62,624
baseline
▲ 0.50% · 4.625%
HK$66,434
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,248/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,557
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,315
−HK$1,784/mo
Today · 4.125%
HK$69,099
baseline
▲ 0.50% · 4.625%
HK$72,741
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,198/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,750
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,888
−HK$2,173/mo
Today · 4.125%
HK$73,061
baseline
▲ 0.50% · 4.625%
HK$77,506
+HK$4,445/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,122/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,483
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,534
−HK$2,081/mo
Today · 4.125%
HK$80,615
baseline
▲ 0.50% · 4.625%
HK$84,865
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,230/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,392
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,142
−HK$2,793/mo
Today · 4.125%
HK$93,935
baseline
▲ 0.50% · 4.625%
HK$99,651
+HK$5,716/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,870/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,336
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,973
−HK$2,675/mo
Today · 4.125%
HK$103,648
baseline
▲ 0.50% · 4.625%
HK$109,112
+HK$5,464/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,296/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,567 · Scale 2, in force from 26 Feb 2026)