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$53,043
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,693
−HK$1,676/mo
Today · 4.125%
HK$56,369
baseline
▲ 0.50% · 4.625%
HK$59,799
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,738/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,010
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,593
−HK$1,605/mo
Today · 4.125%
HK$62,198
baseline
▲ 0.50% · 4.625%
HK$65,477
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,396/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,652
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,632
−HK$2,011/mo
Today · 4.125%
HK$67,643
baseline
▲ 0.50% · 4.625%
HK$71,759
+HK$4,116/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,286/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,812
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,711
−HK$1,927/mo
Today · 4.125%
HK$74,638
baseline
▲ 0.50% · 4.625%
HK$78,572
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,276/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,260
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,570
−HK$2,347/mo
Today · 4.125%
HK$78,917
baseline
▲ 0.50% · 4.625%
HK$83,719
+HK$4,802/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,834/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,614
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,830
−HK$2,247/mo
Today · 4.125%
HK$87,077
baseline
▲ 0.50% · 4.625%
HK$91,667
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,154/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,478
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,448
−HK$3,017/mo
Today · 4.125%
HK$101,465
baseline
▲ 0.50% · 4.625%
HK$107,639
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$202,930/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,218
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,067
−HK$2,890/mo
Today · 4.125%
HK$111,957
baseline
▲ 0.50% · 4.625%
HK$117,858
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$223,914/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,633 · Scale 2, in force from 26 Feb 2026)