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$53,056
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,707
−HK$1,676/mo
Today · 4.125%
HK$56,383
baseline
▲ 0.50% · 4.625%
HK$59,814
+HK$3,431/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,766/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,025
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,608
−HK$1,605/mo
Today · 4.125%
HK$62,213
baseline
▲ 0.50% · 4.625%
HK$65,493
+HK$3,280/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,426/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,667
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,648
−HK$2,012/mo
Today · 4.125%
HK$67,660
baseline
▲ 0.50% · 4.625%
HK$71,777
+HK$4,117/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,320/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,829
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,729
−HK$1,927/mo
Today · 4.125%
HK$74,656
baseline
▲ 0.50% · 4.625%
HK$78,591
+HK$3,935/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,312/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,279
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,589
−HK$2,348/mo
Today · 4.125%
HK$78,937
baseline
▲ 0.50% · 4.625%
HK$83,740
+HK$4,803/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,874/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,634
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,851
−HK$2,248/mo
Today · 4.125%
HK$87,099
baseline
▲ 0.50% · 4.625%
HK$91,690
+HK$4,591/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,198/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,501
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,472
−HK$3,018/mo
Today · 4.125%
HK$101,490
baseline
▲ 0.50% · 4.625%
HK$107,665
+HK$6,175/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,980/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,244
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,094
−HK$2,890/mo
Today · 4.125%
HK$111,984
baseline
▲ 0.50% · 4.625%
HK$117,887
+HK$5,903/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,968/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,876 · Scale 2, in force from 26 Feb 2026)