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$53,034
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,676/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,789
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,000
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,605/mo
Today · 4.125%
HK$62,187
baseline
▲ 0.50% · 4.625%
HK$65,465
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,374/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,641
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,620
−HK$2,012/mo
Today · 4.125%
HK$67,632
baseline
▲ 0.50% · 4.625%
HK$71,747
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,264/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,800
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,699
−HK$1,926/mo
Today · 4.125%
HK$74,625
baseline
▲ 0.50% · 4.625%
HK$78,558
+HK$3,933/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,250/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,248
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,557
−HK$2,347/mo
Today · 4.125%
HK$78,904
baseline
▲ 0.50% · 4.625%
HK$83,705
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,808/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,600
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,815
−HK$2,247/mo
Today · 4.125%
HK$87,062
baseline
▲ 0.50% · 4.625%
HK$91,652
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,124/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,461
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,431
−HK$3,017/mo
Today · 4.125%
HK$101,448
baseline
▲ 0.50% · 4.625%
HK$107,620
+HK$6,172/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,896/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,200
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,048
−HK$2,889/mo
Today · 4.125%
HK$111,937
baseline
▲ 0.50% · 4.625%
HK$117,838
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,874/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,462 · Scale 2, in force from 26 Feb 2026)