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$53,027
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,677
−HK$1,676/mo
Today · 4.125%
HK$56,353
baseline
▲ 0.50% · 4.625%
HK$59,782
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,706/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,992
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,575
−HK$1,605/mo
Today · 4.125%
HK$62,180
baseline
▲ 0.50% · 4.625%
HK$65,457
+HK$3,277/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,360/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,633
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,612
−HK$2,011/mo
Today · 4.125%
HK$67,623
baseline
▲ 0.50% · 4.625%
HK$71,738
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,246/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,791
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,689
−HK$1,926/mo
Today · 4.125%
HK$74,615
baseline
▲ 0.50% · 4.625%
HK$78,549
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,230/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,238
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,548
−HK$2,346/mo
Today · 4.125%
HK$78,894
baseline
▲ 0.50% · 4.625%
HK$83,694
+HK$4,800/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,788/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,589
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,804
−HK$2,247/mo
Today · 4.125%
HK$87,051
baseline
▲ 0.50% · 4.625%
HK$91,640
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,102/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,449
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,418
−HK$3,017/mo
Today · 4.125%
HK$101,435
baseline
▲ 0.50% · 4.625%
HK$107,607
+HK$6,172/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,870/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,186
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,034
−HK$2,889/mo
Today · 4.125%
HK$111,923
baseline
▲ 0.50% · 4.625%
HK$117,823
+HK$5,900/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,846/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,338 · Scale 2, in force from 26 Feb 2026)