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$49,684
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,229
−HK$1,570/mo
Today · 4.125%
HK$52,799
baseline
▲ 0.50% · 4.625%
HK$56,012
+HK$3,213/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,598/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,273
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,755
−HK$1,504/mo
Today · 4.125%
HK$58,259
baseline
▲ 0.50% · 4.625%
HK$61,330
+HK$3,071/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,518/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,620
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,475
−HK$1,884/mo
Today · 4.125%
HK$63,359
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,855/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$126,718/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,327
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$1,805/mo
Today · 4.125%
HK$69,911
baseline
▲ 0.50% · 4.625%
HK$73,596
+HK$3,685/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$139,822/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,557
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,721
−HK$2,198/mo
Today · 4.125%
HK$73,919
baseline
▲ 0.50% · 4.625%
HK$78,417
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,838/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,382
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,457
−HK$2,105/mo
Today · 4.125%
HK$81,562
baseline
▲ 0.50% · 4.625%
HK$85,862
+HK$4,300/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,124/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,431
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,212
−HK$2,827/mo
Today · 4.125%
HK$95,039
baseline
▲ 0.50% · 4.625%
HK$100,822
+HK$5,783/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,078/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,491
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,159
−HK$2,707/mo
Today · 4.125%
HK$104,866
baseline
▲ 0.50% · 4.625%
HK$110,393
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$926,018 · Scale 2, in force from 26 Feb 2026)