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$53,039
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,689
−HK$1,676/mo
Today · 4.125%
HK$56,365
baseline
▲ 0.50% · 4.625%
HK$59,795
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,730/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,005
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,588
−HK$1,605/mo
Today · 4.125%
HK$62,193
baseline
▲ 0.50% · 4.625%
HK$65,472
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,386/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,647
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$2,011/mo
Today · 4.125%
HK$67,638
baseline
▲ 0.50% · 4.625%
HK$71,754
+HK$4,116/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,276/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,806
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,705
−HK$1,927/mo
Today · 4.125%
HK$74,632
baseline
▲ 0.50% · 4.625%
HK$78,566
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,264/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,255
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,564
−HK$2,347/mo
Today · 4.125%
HK$78,911
baseline
▲ 0.50% · 4.625%
HK$83,713
+HK$4,802/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,822/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,608
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,823
−HK$2,248/mo
Today · 4.125%
HK$87,071
baseline
▲ 0.50% · 4.625%
HK$91,660
+HK$4,589/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,142/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,470
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,440
−HK$3,017/mo
Today · 4.125%
HK$101,457
baseline
▲ 0.50% · 4.625%
HK$107,631
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,914/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,210
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,058
−HK$2,890/mo
Today · 4.125%
HK$111,948
baseline
▲ 0.50% · 4.625%
HK$117,849
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,896/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,556 · Scale 2, in force from 26 Feb 2026)