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$53,021
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,670
−HK$1,676/mo
Today · 4.125%
HK$56,346
baseline
▲ 0.50% · 4.625%
HK$59,774
+HK$3,428/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,692/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,985
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,567
−HK$1,605/mo
Today · 4.125%
HK$62,172
baseline
▲ 0.50% · 4.625%
HK$65,449
+HK$3,277/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,344/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,625
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,604
−HK$2,011/mo
Today · 4.125%
HK$67,615
baseline
▲ 0.50% · 4.625%
HK$71,729
+HK$4,114/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,230/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,783
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,681
−HK$1,926/mo
Today · 4.125%
HK$74,607
baseline
▲ 0.50% · 4.625%
HK$78,539
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,214/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,230
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,538
−HK$2,346/mo
Today · 4.125%
HK$78,884
baseline
▲ 0.50% · 4.625%
HK$83,684
+HK$4,800/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,768/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,580
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,794
−HK$2,247/mo
Today · 4.125%
HK$87,041
baseline
▲ 0.50% · 4.625%
HK$91,629
+HK$4,588/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,082/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,438
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,407
−HK$3,016/mo
Today · 4.125%
HK$101,423
baseline
▲ 0.50% · 4.625%
HK$107,594
+HK$6,171/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,846/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,174
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,021
−HK$2,889/mo
Today · 4.125%
HK$111,910
baseline
▲ 0.50% · 4.625%
HK$117,809
+HK$5,899/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,820/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,221 · Scale 2, in force from 26 Feb 2026)