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$53,036
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,685
−HK$1,676/mo
Today · 4.125%
HK$56,361
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,722/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,584
−HK$1,605/mo
Today · 4.125%
HK$62,189
baseline
▲ 0.50% · 4.625%
HK$65,467
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,378/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,643
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$2,012/mo
Today · 4.125%
HK$67,634
baseline
▲ 0.50% · 4.625%
HK$71,749
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,268/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,802
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,701
−HK$1,926/mo
Today · 4.125%
HK$74,627
baseline
▲ 0.50% · 4.625%
HK$78,561
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,254/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,250
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,347/mo
Today · 4.125%
HK$78,906
baseline
▲ 0.50% · 4.625%
HK$83,707
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,812/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,602
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,817
−HK$2,248/mo
Today · 4.125%
HK$87,065
baseline
▲ 0.50% · 4.625%
HK$91,654
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,130/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,464
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,433
−HK$3,017/mo
Today · 4.125%
HK$101,450
baseline
▲ 0.50% · 4.625%
HK$107,623
+HK$6,173/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,900/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,203
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,051
−HK$2,889/mo
Today · 4.125%
HK$111,940
baseline
▲ 0.50% · 4.625%
HK$117,841
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,880/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,490 · Scale 2, in force from 26 Feb 2026)