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$53,064
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,715
−HK$1,677/mo
Today · 4.125%
HK$56,392
baseline
▲ 0.50% · 4.625%
HK$59,823
+HK$3,431/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,784/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,033
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,617
−HK$1,606/mo
Today · 4.125%
HK$62,223
baseline
▲ 0.50% · 4.625%
HK$65,503
+HK$3,280/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,446/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,677
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,658
−HK$2,012/mo
Today · 4.125%
HK$67,670
baseline
▲ 0.50% · 4.625%
HK$71,788
+HK$4,118/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,340/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,840
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,740
−HK$1,927/mo
Today · 4.125%
HK$74,667
baseline
▲ 0.50% · 4.625%
HK$78,603
+HK$3,936/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,334/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,290
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,601
−HK$2,347/mo
Today · 4.125%
HK$78,948
baseline
▲ 0.50% · 4.625%
HK$83,752
+HK$4,804/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,896/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,647
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,863
−HK$2,249/mo
Today · 4.125%
HK$87,112
baseline
▲ 0.50% · 4.625%
HK$91,704
+HK$4,592/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,224/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,516
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,487
−HK$3,018/mo
Today · 4.125%
HK$101,505
baseline
▲ 0.50% · 4.625%
HK$107,682
+HK$6,177/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$203,010/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,260
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,110
−HK$2,891/mo
Today · 4.125%
HK$112,001
baseline
▲ 0.50% · 4.625%
HK$117,905
+HK$5,904/mo
Deposit HK$2.33M · loan HK$20.94M · min. income ≈ HK$224,002/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,024 · Scale 2, in force from 26 Feb 2026)