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$53,011
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,660
−HK$1,675/mo
Today · 4.125%
HK$56,335
baseline
▲ 0.50% · 4.625%
HK$59,763
+HK$3,428/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,670/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,974
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,556
−HK$1,604/mo
Today · 4.125%
HK$62,160
baseline
▲ 0.50% · 4.625%
HK$65,437
+HK$3,277/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,320/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,613
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,592
−HK$2,010/mo
Today · 4.125%
HK$67,602
baseline
▲ 0.50% · 4.625%
HK$71,715
+HK$4,113/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,204/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,769
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,667
−HK$1,925/mo
Today · 4.125%
HK$74,592
baseline
▲ 0.50% · 4.625%
HK$78,524
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,184/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,215
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,523
−HK$2,346/mo
Today · 4.125%
HK$78,869
baseline
▲ 0.50% · 4.625%
HK$83,668
+HK$4,799/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,738/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,563
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,778
−HK$2,246/mo
Today · 4.125%
HK$87,024
baseline
▲ 0.50% · 4.625%
HK$91,611
+HK$4,587/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,048/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,419
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,387
−HK$3,016/mo
Today · 4.125%
HK$101,403
baseline
▲ 0.50% · 4.625%
HK$107,573
+HK$6,170/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,806/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,153
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$109,000
−HK$2,888/mo
Today · 4.125%
HK$111,888
baseline
▲ 0.50% · 4.625%
HK$117,786
+HK$5,898/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,776/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,027 · Scale 2, in force from 26 Feb 2026)