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$49,457
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,996
−HK$1,563/mo
Today · 4.125%
HK$52,559
baseline
▲ 0.50% · 4.625%
HK$55,757
+HK$3,198/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,118/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,021
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,496
−HK$1,497/mo
Today · 4.125%
HK$57,993
baseline
▲ 0.50% · 4.625%
HK$61,050
+HK$3,057/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,986/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,349
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,195
−HK$1,875/mo
Today · 4.125%
HK$63,070
baseline
▲ 0.50% · 4.625%
HK$66,908
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$126,140/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,025
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,796
−HK$1,796/mo
Today · 4.125%
HK$69,592
baseline
▲ 0.50% · 4.625%
HK$73,260
+HK$3,668/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$139,184/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,240
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,394
−HK$2,188/mo
Today · 4.125%
HK$73,582
baseline
▲ 0.50% · 4.625%
HK$78,059
+HK$4,477/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,164/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,029
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,095
−HK$2,096/mo
Today · 4.125%
HK$81,191
baseline
▲ 0.50% · 4.625%
HK$85,470
+HK$4,279/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,382/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,023
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,792
−HK$2,814/mo
Today · 4.125%
HK$94,606
baseline
▲ 0.50% · 4.625%
HK$100,362
+HK$5,756/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,212/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,037
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,693
−HK$2,695/mo
Today · 4.125%
HK$104,388
baseline
▲ 0.50% · 4.625%
HK$109,890
+HK$5,502/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,776/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,932 · Scale 2, in force from 26 Feb 2026)