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$53,054
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,677/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,811
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,605/mo
Today · 4.125%
HK$62,210
baseline
▲ 0.50% · 4.625%
HK$65,490
+HK$3,280/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,420/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,664
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,645
−HK$2,012/mo
Today · 4.125%
HK$67,657
baseline
▲ 0.50% · 4.625%
HK$71,774
+HK$4,117/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,314/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,826
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,726
−HK$1,927/mo
Today · 4.125%
HK$74,653
baseline
▲ 0.50% · 4.625%
HK$78,588
+HK$3,935/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,306/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,275
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,586
−HK$2,347/mo
Today · 4.125%
HK$78,933
baseline
▲ 0.50% · 4.625%
HK$83,736
+HK$4,803/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,866/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,630
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,846
−HK$2,249/mo
Today · 4.125%
HK$87,095
baseline
▲ 0.50% · 4.625%
HK$91,686
+HK$4,591/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,190/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,497
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,467
−HK$3,018/mo
Today · 4.125%
HK$101,485
baseline
▲ 0.50% · 4.625%
HK$107,660
+HK$6,175/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,970/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,239
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,088
−HK$2,891/mo
Today · 4.125%
HK$111,979
baseline
▲ 0.50% · 4.625%
HK$117,881
+HK$5,902/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,958/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,829 · Scale 2, in force from 26 Feb 2026)