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$53,044
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,694
−HK$1,677/mo
Today · 4.125%
HK$56,371
baseline
▲ 0.50% · 4.625%
HK$59,801
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,742/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,011
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,594
−HK$1,605/mo
Today · 4.125%
HK$62,199
baseline
▲ 0.50% · 4.625%
HK$65,478
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,398/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,653
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,633
−HK$2,012/mo
Today · 4.125%
HK$67,645
baseline
▲ 0.50% · 4.625%
HK$71,761
+HK$4,116/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,290/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,813
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,713
−HK$1,926/mo
Today · 4.125%
HK$74,639
baseline
▲ 0.50% · 4.625%
HK$78,574
+HK$3,935/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,278/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,262
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,572
−HK$2,347/mo
Today · 4.125%
HK$78,919
baseline
▲ 0.50% · 4.625%
HK$83,721
+HK$4,802/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,838/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,616
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,831
−HK$2,248/mo
Today · 4.125%
HK$87,079
baseline
▲ 0.50% · 4.625%
HK$91,669
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,158/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,480
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,450
−HK$3,017/mo
Today · 4.125%
HK$101,467
baseline
▲ 0.50% · 4.625%
HK$107,641
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,934/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,220
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,069
−HK$2,890/mo
Today · 4.125%
HK$111,959
baseline
▲ 0.50% · 4.625%
HK$117,860
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,918/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,653 · Scale 2, in force from 26 Feb 2026)