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$53,057
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,708
−HK$1,676/mo
Today · 4.125%
HK$56,384
baseline
▲ 0.50% · 4.625%
HK$59,815
+HK$3,431/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,768/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,026
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,609
−HK$1,606/mo
Today · 4.125%
HK$62,215
baseline
▲ 0.50% · 4.625%
HK$65,494
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,430/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,669
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,649
−HK$2,012/mo
Today · 4.125%
HK$67,661
baseline
▲ 0.50% · 4.625%
HK$71,778
+HK$4,117/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,322/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,831
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,730
−HK$1,928/mo
Today · 4.125%
HK$74,658
baseline
▲ 0.50% · 4.625%
HK$78,593
+HK$3,935/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,316/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,280
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,591
−HK$2,347/mo
Today · 4.125%
HK$78,938
baseline
▲ 0.50% · 4.625%
HK$83,741
+HK$4,803/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,876/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,636
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,852
−HK$2,249/mo
Today · 4.125%
HK$87,101
baseline
▲ 0.50% · 4.625%
HK$91,692
+HK$4,591/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,202/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,503
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,474
−HK$3,018/mo
Today · 4.125%
HK$101,492
baseline
▲ 0.50% · 4.625%
HK$107,668
+HK$6,176/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,984/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,246
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,096
−HK$2,890/mo
Today · 4.125%
HK$111,986
baseline
▲ 0.50% · 4.625%
HK$117,889
+HK$5,903/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,972/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,896 · Scale 2, in force from 26 Feb 2026)