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$53,012
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,661
−HK$1,676/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,764
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,976
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,557
−HK$1,605/mo
Today · 4.125%
HK$62,162
baseline
▲ 0.50% · 4.625%
HK$65,438
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,324/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,615
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,593
−HK$2,011/mo
Today · 4.125%
HK$67,604
baseline
▲ 0.50% · 4.625%
HK$71,717
+HK$4,113/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,208/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,771
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,669
−HK$1,925/mo
Today · 4.125%
HK$74,594
baseline
▲ 0.50% · 4.625%
HK$78,526
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,188/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,217
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,526
−HK$2,345/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,670
+HK$4,799/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,566
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,780
−HK$2,247/mo
Today · 4.125%
HK$87,027
baseline
▲ 0.50% · 4.625%
HK$91,614
+HK$4,587/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,054/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,422
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,390
−HK$3,016/mo
Today · 4.125%
HK$101,406
baseline
▲ 0.50% · 4.625%
HK$107,576
+HK$6,170/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,812/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,156
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$109,003
−HK$2,888/mo
Today · 4.125%
HK$111,891
baseline
▲ 0.50% · 4.625%
HK$117,789
+HK$5,898/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,782/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,055 · Scale 2, in force from 26 Feb 2026)