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$53,026
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,676
−HK$1,675/mo
Today · 4.125%
HK$56,351
baseline
▲ 0.50% · 4.625%
HK$59,780
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,702/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,991
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,573
−HK$1,605/mo
Today · 4.125%
HK$62,178
baseline
▲ 0.50% · 4.625%
HK$65,456
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,356/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,631
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,611
−HK$2,011/mo
Today · 4.125%
HK$67,622
baseline
▲ 0.50% · 4.625%
HK$71,736
+HK$4,114/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,244/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,789
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,688
−HK$1,926/mo
Today · 4.125%
HK$74,614
baseline
▲ 0.50% · 4.625%
HK$78,547
+HK$3,933/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,228/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,237
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,346/mo
Today · 4.125%
HK$78,892
baseline
▲ 0.50% · 4.625%
HK$83,692
+HK$4,800/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,784/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,587
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,802
−HK$2,247/mo
Today · 4.125%
HK$87,049
baseline
▲ 0.50% · 4.625%
HK$91,638
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,098/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,447
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,416
−HK$3,016/mo
Today · 4.125%
HK$101,432
baseline
▲ 0.50% · 4.625%
HK$107,604
+HK$6,172/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,864/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,184
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,032
−HK$2,889/mo
Today · 4.125%
HK$111,921
baseline
▲ 0.50% · 4.625%
HK$117,820
+HK$5,899/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,842/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,316 · Scale 2, in force from 26 Feb 2026)