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$48,335
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,839
−HK$1,527/mo
Today · 4.125%
HK$51,366
baseline
▲ 0.50% · 4.625%
HK$54,492
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,732/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,772
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,214
−HK$1,463/mo
Today · 4.125%
HK$56,677
baseline
▲ 0.50% · 4.625%
HK$59,665
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,354/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,002
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,806
−HK$1,833/mo
Today · 4.125%
HK$61,639
baseline
▲ 0.50% · 4.625%
HK$65,390
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,278/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,527
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,257
−HK$1,756/mo
Today · 4.125%
HK$68,013
baseline
▲ 0.50% · 4.625%
HK$71,598
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,026/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,669
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,774
−HK$2,139/mo
Today · 4.125%
HK$71,913
baseline
▲ 0.50% · 4.625%
HK$76,288
+HK$4,375/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,826/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,281
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,300
−HK$2,048/mo
Today · 4.125%
HK$79,348
baseline
▲ 0.50% · 4.625%
HK$83,531
+HK$4,183/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,696/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,003
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,710
−HK$2,749/mo
Today · 4.125%
HK$92,459
baseline
▲ 0.50% · 4.625%
HK$98,085
+HK$5,626/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,918/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,790
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,386
−HK$2,633/mo
Today · 4.125%
HK$102,019
baseline
▲ 0.50% · 4.625%
HK$107,397
+HK$5,378/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,038/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,723 · Scale 2, in force from 26 Feb 2026)