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$49,368
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,904
−HK$1,560/mo
Today · 4.125%
HK$52,464
baseline
▲ 0.50% · 4.625%
HK$55,656
+HK$3,192/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,928/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,494/mo
Today · 4.125%
HK$57,889
baseline
▲ 0.50% · 4.625%
HK$60,940
+HK$3,051/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,778/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,242
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,085
−HK$1,872/mo
Today · 4.125%
HK$62,957
baseline
▲ 0.50% · 4.625%
HK$66,788
+HK$3,831/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,914/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,906
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,674
−HK$1,793/mo
Today · 4.125%
HK$69,467
baseline
▲ 0.50% · 4.625%
HK$73,128
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,934/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,116
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$2,185/mo
Today · 4.125%
HK$73,450
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$4,469/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,900/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,952
−HK$2,092/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,316
+HK$4,272/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,863
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,627
−HK$2,808/mo
Today · 4.125%
HK$94,435
baseline
▲ 0.50% · 4.625%
HK$100,181
+HK$5,746/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,870/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,859
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,510
−HK$2,690/mo
Today · 4.125%
HK$104,200
baseline
▲ 0.50% · 4.625%
HK$109,693
+HK$5,493/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,400/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,029 · Scale 2, in force from 26 Feb 2026)