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$49,831
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,381
−HK$1,575/mo
Today · 4.125%
HK$52,956
baseline
▲ 0.50% · 4.625%
HK$56,178
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,912/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,436
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,508/mo
Today · 4.125%
HK$58,431
baseline
▲ 0.50% · 4.625%
HK$61,511
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,862/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,797
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,657
−HK$1,890/mo
Today · 4.125%
HK$63,547
baseline
▲ 0.50% · 4.625%
HK$67,414
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,094/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,524
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,308
−HK$1,810/mo
Today · 4.125%
HK$70,118
baseline
▲ 0.50% · 4.625%
HK$73,814
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,236/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,763
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,933
−HK$2,205/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,649
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,611
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,692
−HK$2,112/mo
Today · 4.125%
HK$81,804
baseline
▲ 0.50% · 4.625%
HK$86,116
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,608/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,696
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,486
−HK$2,834/mo
Today · 4.125%
HK$95,320
baseline
▲ 0.50% · 4.625%
HK$101,120
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,640/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,786
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,462
−HK$2,715/mo
Today · 4.125%
HK$105,177
baseline
▲ 0.50% · 4.625%
HK$110,721
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,354/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,762 · Scale 2, in force from 26 Feb 2026)