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$49,442
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,980
−HK$1,562/mo
Today · 4.125%
HK$52,542
baseline
▲ 0.50% · 4.625%
HK$55,740
+HK$3,198/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,084/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,004
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,479
−HK$1,496/mo
Today · 4.125%
HK$57,975
baseline
▲ 0.50% · 4.625%
HK$61,031
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,950/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,330
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,176
−HK$1,875/mo
Today · 4.125%
HK$63,051
baseline
▲ 0.50% · 4.625%
HK$66,887
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,102/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,004
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$1,796/mo
Today · 4.125%
HK$69,571
baseline
▲ 0.50% · 4.625%
HK$73,238
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,142/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,219
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,372
−HK$2,187/mo
Today · 4.125%
HK$73,559
baseline
▲ 0.50% · 4.625%
HK$78,035
+HK$4,476/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,118/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,005
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,070
−HK$2,096/mo
Today · 4.125%
HK$81,166
baseline
▲ 0.50% · 4.625%
HK$85,444
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,332/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,996
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,764
−HK$2,812/mo
Today · 4.125%
HK$94,576
baseline
▲ 0.50% · 4.625%
HK$100,331
+HK$5,755/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,152/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,007
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,662
−HK$2,694/mo
Today · 4.125%
HK$104,356
baseline
▲ 0.50% · 4.625%
HK$109,857
+HK$5,501/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,712/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,266 · Scale 2, in force from 26 Feb 2026)