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$53,118
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,770
−HK$1,679/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,883
+HK$3,434/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,093
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,678
−HK$1,608/mo
Today · 4.125%
HK$62,286
baseline
▲ 0.50% · 4.625%
HK$65,569
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,572/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,741
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,724
−HK$2,014/mo
Today · 4.125%
HK$67,738
baseline
▲ 0.50% · 4.625%
HK$71,860
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,476/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,912
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,813
−HK$1,930/mo
Today · 4.125%
HK$74,743
baseline
▲ 0.50% · 4.625%
HK$78,682
+HK$3,939/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,486/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,365
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,678
−HK$2,350/mo
Today · 4.125%
HK$79,028
baseline
▲ 0.50% · 4.625%
HK$83,837
+HK$4,809/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,056/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,730
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,949
−HK$2,251/mo
Today · 4.125%
HK$87,200
baseline
▲ 0.50% · 4.625%
HK$91,796
+HK$4,596/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,400/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,612
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,586
−HK$3,022/mo
Today · 4.125%
HK$101,608
baseline
▲ 0.50% · 4.625%
HK$107,790
+HK$6,182/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,216/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,367
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,220
−HK$2,894/mo
Today · 4.125%
HK$112,114
baseline
▲ 0.50% · 4.625%
HK$118,024
+HK$5,910/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,228/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,023 · Scale 2, in force from 26 Feb 2026)