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$53,040
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,690
−HK$1,676/mo
Today · 4.125%
HK$56,366
baseline
▲ 0.50% · 4.625%
HK$59,796
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,732/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,007
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,589
−HK$1,605/mo
Today · 4.125%
HK$62,194
baseline
▲ 0.50% · 4.625%
HK$65,473
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,388/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,628
−HK$2,011/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$4,116/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,808
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,707
−HK$1,926/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$78,567
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,256
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,566
−HK$2,347/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,801/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,609
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,825
−HK$2,247/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$91,662
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,472
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,442
−HK$3,017/mo
Today · 4.125%
HK$101,459
baseline
▲ 0.50% · 4.625%
HK$107,633
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,918/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,212
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,060
−HK$2,890/mo
Today · 4.125%
HK$111,950
baseline
▲ 0.50% · 4.625%
HK$117,851
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,900/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,575 · Scale 2, in force from 26 Feb 2026)