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$53,013
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,662
−HK$1,676/mo
Today · 4.125%
HK$56,338
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$3,428/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,676/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,977
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,559
−HK$1,604/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,440
+HK$3,277/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,616
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,595
−HK$2,010/mo
Today · 4.125%
HK$67,605
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$4,114/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,210/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,772
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$1,926/mo
Today · 4.125%
HK$74,596
baseline
▲ 0.50% · 4.625%
HK$78,528
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,192/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,219
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,527
−HK$2,346/mo
Today · 4.125%
HK$78,873
baseline
▲ 0.50% · 4.625%
HK$83,672
+HK$4,799/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,746/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,568
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,782
−HK$2,247/mo
Today · 4.125%
HK$87,029
baseline
▲ 0.50% · 4.625%
HK$91,616
+HK$4,587/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,058/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,424
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,392
−HK$3,016/mo
Today · 4.125%
HK$101,408
baseline
▲ 0.50% · 4.625%
HK$107,579
+HK$6,171/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,816/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,159
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$109,006
−HK$2,888/mo
Today · 4.125%
HK$111,894
baseline
▲ 0.50% · 4.625%
HK$117,792
+HK$5,898/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,788/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,079 · Scale 2, in force from 26 Feb 2026)