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$48,355
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,859
−HK$1,528/mo
Today · 4.125%
HK$51,387
baseline
▲ 0.50% · 4.625%
HK$54,514
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,774/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,794
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,237
−HK$1,464/mo
Today · 4.125%
HK$56,701
baseline
▲ 0.50% · 4.625%
HK$59,690
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,402/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,026
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,831
−HK$1,834/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$65,417
+HK$3,752/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,553
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,285
−HK$1,756/mo
Today · 4.125%
HK$68,041
baseline
▲ 0.50% · 4.625%
HK$71,627
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,082/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,697
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,803
−HK$2,139/mo
Today · 4.125%
HK$71,942
baseline
▲ 0.50% · 4.625%
HK$76,320
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,884/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,312
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,332
−HK$2,049/mo
Today · 4.125%
HK$79,381
baseline
▲ 0.50% · 4.625%
HK$83,565
+HK$4,184/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,762/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,039
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,746
−HK$2,751/mo
Today · 4.125%
HK$92,497
baseline
▲ 0.50% · 4.625%
HK$98,125
+HK$5,628/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$184,994/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,830
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,427
−HK$2,634/mo
Today · 4.125%
HK$102,061
baseline
▲ 0.50% · 4.625%
HK$107,441
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,122/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,595 · Scale 2, in force from 26 Feb 2026)