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$53,024
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,673
−HK$1,676/mo
Today · 4.125%
HK$56,349
baseline
▲ 0.50% · 4.625%
HK$59,778
+HK$3,429/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,698/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,988
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,570
−HK$1,605/mo
Today · 4.125%
HK$62,175
baseline
▲ 0.50% · 4.625%
HK$65,453
+HK$3,278/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,350/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,629
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,608
−HK$2,011/mo
Today · 4.125%
HK$67,619
baseline
▲ 0.50% · 4.625%
HK$71,733
+HK$4,114/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,238/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,786
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,685
−HK$1,925/mo
Today · 4.125%
HK$74,610
baseline
▲ 0.50% · 4.625%
HK$78,543
+HK$3,933/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,220/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,233
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,542
−HK$2,346/mo
Today · 4.125%
HK$78,888
baseline
▲ 0.50% · 4.625%
HK$83,689
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,776/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,584
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,799
−HK$2,247/mo
Today · 4.125%
HK$87,046
baseline
▲ 0.50% · 4.625%
HK$91,634
+HK$4,588/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,092/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,443
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,412
−HK$3,016/mo
Today · 4.125%
HK$101,428
baseline
▲ 0.50% · 4.625%
HK$107,600
+HK$6,172/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,856/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,179
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,027
−HK$2,889/mo
Today · 4.125%
HK$111,916
baseline
▲ 0.50% · 4.625%
HK$117,815
+HK$5,899/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,832/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,271 · Scale 2, in force from 26 Feb 2026)