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$53,041
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,691
−HK$1,677/mo
Today · 4.125%
HK$56,368
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,736/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,008
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,591
−HK$1,605/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,475
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,650
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$2,011/mo
Today · 4.125%
HK$67,641
baseline
▲ 0.50% · 4.625%
HK$71,757
+HK$4,116/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,282/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,810
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,709
−HK$1,926/mo
Today · 4.125%
HK$74,635
baseline
▲ 0.50% · 4.625%
HK$78,570
+HK$3,935/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,270/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,258
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,568
−HK$2,347/mo
Today · 4.125%
HK$78,915
baseline
▲ 0.50% · 4.625%
HK$83,716
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,830/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,611
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,827
−HK$2,248/mo
Today · 4.125%
HK$87,075
baseline
▲ 0.50% · 4.625%
HK$91,664
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,150/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,475
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,444
−HK$3,018/mo
Today · 4.125%
HK$101,462
baseline
▲ 0.50% · 4.625%
HK$107,635
+HK$6,173/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,924/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,215
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$2,890/mo
Today · 4.125%
HK$111,953
baseline
▲ 0.50% · 4.625%
HK$117,854
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,906/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,601 · Scale 2, in force from 26 Feb 2026)