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$53,048
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,698
−HK$1,677/mo
Today · 4.125%
HK$56,375
baseline
▲ 0.50% · 4.625%
HK$59,805
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,750/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,016
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,598
−HK$1,606/mo
Today · 4.125%
HK$62,204
baseline
▲ 0.50% · 4.625%
HK$65,483
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,408/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,658
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,638
−HK$2,012/mo
Today · 4.125%
HK$67,650
baseline
▲ 0.50% · 4.625%
HK$71,766
+HK$4,116/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,300/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,819
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,718
−HK$1,927/mo
Today · 4.125%
HK$74,645
baseline
▲ 0.50% · 4.625%
HK$78,579
+HK$3,934/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,290/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,267
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,578
−HK$2,347/mo
Today · 4.125%
HK$78,925
baseline
▲ 0.50% · 4.625%
HK$83,727
+HK$4,802/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,850/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,622
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,838
−HK$2,248/mo
Today · 4.125%
HK$87,086
baseline
▲ 0.50% · 4.625%
HK$91,676
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,172/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,487
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,457
−HK$3,018/mo
Today · 4.125%
HK$101,475
baseline
▲ 0.50% · 4.625%
HK$107,649
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,950/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,228
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,077
−HK$2,890/mo
Today · 4.125%
HK$111,967
baseline
▲ 0.50% · 4.625%
HK$117,869
+HK$5,902/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,934/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,725 · Scale 2, in force from 26 Feb 2026)