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$53,055
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,705
−HK$1,677/mo
Today · 4.125%
HK$56,382
baseline
▲ 0.50% · 4.625%
HK$59,813
+HK$3,431/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,764/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,023
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,606
−HK$1,606/mo
Today · 4.125%
HK$62,212
baseline
▲ 0.50% · 4.625%
HK$65,491
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,424/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,666
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,647
−HK$2,012/mo
Today · 4.125%
HK$67,659
baseline
▲ 0.50% · 4.625%
HK$71,775
+HK$4,116/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,318/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,828
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,728
−HK$1,927/mo
Today · 4.125%
HK$74,655
baseline
▲ 0.50% · 4.625%
HK$78,590
+HK$3,935/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,310/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,277
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,588
−HK$2,347/mo
Today · 4.125%
HK$78,935
baseline
▲ 0.50% · 4.625%
HK$83,738
+HK$4,803/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,870/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,633
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,849
−HK$2,248/mo
Today · 4.125%
HK$87,097
baseline
▲ 0.50% · 4.625%
HK$91,688
+HK$4,591/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,194/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,499
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,470
−HK$3,018/mo
Today · 4.125%
HK$101,488
baseline
▲ 0.50% · 4.625%
HK$107,663
+HK$6,175/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,976/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,242
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,091
−HK$2,891/mo
Today · 4.125%
HK$111,982
baseline
▲ 0.50% · 4.625%
HK$117,885
+HK$5,903/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,964/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,856 · Scale 2, in force from 26 Feb 2026)