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$53,029
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,678
−HK$1,676/mo
Today · 4.125%
HK$56,354
baseline
▲ 0.50% · 4.625%
HK$59,783
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,708/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,994
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,576
−HK$1,605/mo
Today · 4.125%
HK$62,181
baseline
▲ 0.50% · 4.625%
HK$65,459
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,362/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,635
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,614
−HK$2,011/mo
Today · 4.125%
HK$67,625
baseline
▲ 0.50% · 4.625%
HK$71,740
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,250/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,793
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,692
−HK$1,926/mo
Today · 4.125%
HK$74,618
baseline
▲ 0.50% · 4.625%
HK$78,551
+HK$3,933/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,236/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,240
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,550
−HK$2,346/mo
Today · 4.125%
HK$78,896
baseline
▲ 0.50% · 4.625%
HK$83,697
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,792/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,592
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,247/mo
Today · 4.125%
HK$87,054
baseline
▲ 0.50% · 4.625%
HK$91,643
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,108/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,452
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,421
−HK$3,017/mo
Today · 4.125%
HK$101,438
baseline
▲ 0.50% · 4.625%
HK$107,610
+HK$6,172/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,876/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,189
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,037
−HK$2,890/mo
Today · 4.125%
HK$111,927
baseline
▲ 0.50% · 4.625%
HK$117,826
+HK$5,899/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,854/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,367 · Scale 2, in force from 26 Feb 2026)