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$53,041
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,691
−HK$1,676/mo
Today · 4.125%
HK$56,367
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,734/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,008
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,606/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,474
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,649
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,629
−HK$2,012/mo
Today · 4.125%
HK$67,641
baseline
▲ 0.50% · 4.625%
HK$71,756
+HK$4,115/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,282/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,809
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,708
−HK$1,927/mo
Today · 4.125%
HK$74,635
baseline
▲ 0.50% · 4.625%
HK$78,569
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,270/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,257
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,567
−HK$2,347/mo
Today · 4.125%
HK$78,914
baseline
▲ 0.50% · 4.625%
HK$83,716
+HK$4,802/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,828/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,611
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,826
−HK$2,248/mo
Today · 4.125%
HK$87,074
baseline
▲ 0.50% · 4.625%
HK$91,664
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,148/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,474
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,444
−HK$3,017/mo
Today · 4.125%
HK$101,461
baseline
▲ 0.50% · 4.625%
HK$107,635
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,922/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,214
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,062
−HK$2,890/mo
Today · 4.125%
HK$111,952
baseline
▲ 0.50% · 4.625%
HK$117,853
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,904/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,593 · Scale 2, in force from 26 Feb 2026)