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$49,689
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,234
−HK$1,571/mo
Today · 4.125%
HK$52,805
baseline
▲ 0.50% · 4.625%
HK$56,018
+HK$3,213/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,610/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,278
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,761
−HK$1,504/mo
Today · 4.125%
HK$58,265
baseline
▲ 0.50% · 4.625%
HK$61,336
+HK$3,071/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,530/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,481
−HK$1,885/mo
Today · 4.125%
HK$63,366
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,855/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$126,732/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,113
−HK$1,805/mo
Today · 4.125%
HK$69,918
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$3,685/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$139,836/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,564
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,728
−HK$2,198/mo
Today · 4.125%
HK$73,926
baseline
▲ 0.50% · 4.625%
HK$78,425
+HK$4,499/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,852/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,389
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,465
−HK$2,106/mo
Today · 4.125%
HK$81,571
baseline
▲ 0.50% · 4.625%
HK$85,870
+HK$4,299/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,142/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,440
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,222
−HK$2,826/mo
Today · 4.125%
HK$95,048
baseline
▲ 0.50% · 4.625%
HK$100,832
+HK$5,784/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,096/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,501
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,169
−HK$2,707/mo
Today · 4.125%
HK$104,876
baseline
▲ 0.50% · 4.625%
HK$110,405
+HK$5,529/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,752/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,111 · Scale 2, in force from 26 Feb 2026)