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$48,343
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,847
−HK$1,528/mo
Today · 4.125%
HK$51,375
baseline
▲ 0.50% · 4.625%
HK$54,501
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,750/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,782
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,224
−HK$1,463/mo
Today · 4.125%
HK$56,687
baseline
▲ 0.50% · 4.625%
HK$59,675
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,374/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,012
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,817
−HK$1,833/mo
Today · 4.125%
HK$61,650
baseline
▲ 0.50% · 4.625%
HK$65,401
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,300/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,538
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,269
−HK$1,756/mo
Today · 4.125%
HK$68,025
baseline
▲ 0.50% · 4.625%
HK$71,610
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,050/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,681
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,786
−HK$2,139/mo
Today · 4.125%
HK$71,925
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,850/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,294
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,314
−HK$2,048/mo
Today · 4.125%
HK$79,362
baseline
▲ 0.50% · 4.625%
HK$83,545
+HK$4,183/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,724/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,018
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,725
−HK$2,750/mo
Today · 4.125%
HK$92,475
baseline
▲ 0.50% · 4.625%
HK$98,102
+HK$5,627/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,950/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,807
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,403
−HK$2,634/mo
Today · 4.125%
HK$102,037
baseline
▲ 0.50% · 4.625%
HK$107,415
+HK$5,378/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,074/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,087 · Scale 2, in force from 26 Feb 2026)