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$53,049
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,700
−HK$1,676/mo
Today · 4.125%
HK$56,376
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,752/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,017
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,600
−HK$1,605/mo
Today · 4.125%
HK$62,205
baseline
▲ 0.50% · 4.625%
HK$65,484
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,410/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,659
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,639
−HK$2,012/mo
Today · 4.125%
HK$67,651
baseline
▲ 0.50% · 4.625%
HK$71,768
+HK$4,117/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,302/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,820
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,720
−HK$1,927/mo
Today · 4.125%
HK$74,647
baseline
▲ 0.50% · 4.625%
HK$78,581
+HK$3,934/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,294/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,269
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,579
−HK$2,347/mo
Today · 4.125%
HK$78,926
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,803/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,852/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,624
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,840
−HK$2,248/mo
Today · 4.125%
HK$87,088
baseline
▲ 0.50% · 4.625%
HK$91,678
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,176/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,489
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,459
−HK$3,018/mo
Today · 4.125%
HK$101,477
baseline
▲ 0.50% · 4.625%
HK$107,652
+HK$6,175/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,954/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,230
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,080
−HK$2,890/mo
Today · 4.125%
HK$111,970
baseline
▲ 0.50% · 4.625%
HK$117,872
+HK$5,902/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,940/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$988,749 · Scale 2, in force from 26 Feb 2026)