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$53,061
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,711
−HK$1,677/mo
Today · 4.125%
HK$56,388
baseline
▲ 0.50% · 4.625%
HK$59,819
+HK$3,431/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,776/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,030
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,613
−HK$1,606/mo
Today · 4.125%
HK$62,219
baseline
▲ 0.50% · 4.625%
HK$65,498
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,438/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,673
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,654
−HK$2,012/mo
Today · 4.125%
HK$67,666
baseline
▲ 0.50% · 4.625%
HK$71,783
+HK$4,117/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,332/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,836
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,735
−HK$1,928/mo
Today · 4.125%
HK$74,663
baseline
▲ 0.50% · 4.625%
HK$78,598
+HK$3,935/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,326/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,285
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,596
−HK$2,347/mo
Today · 4.125%
HK$78,943
baseline
▲ 0.50% · 4.625%
HK$83,747
+HK$4,804/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,886/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,641
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,858
−HK$2,248/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$91,698
+HK$4,592/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,509
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,480
−HK$3,019/mo
Today · 4.125%
HK$101,499
baseline
▲ 0.50% · 4.625%
HK$107,675
+HK$6,176/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,998/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,253
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,103
−HK$2,891/mo
Today · 4.125%
HK$111,994
baseline
▲ 0.50% · 4.625%
HK$117,897
+HK$5,903/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,988/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,962 · Scale 2, in force from 26 Feb 2026)