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$48,360
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,528/mo
Today · 4.125%
HK$51,393
baseline
▲ 0.50% · 4.625%
HK$54,520
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,786/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,800
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,243
−HK$1,464/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$59,696
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,032
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,838
−HK$1,834/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$65,424
+HK$3,752/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,561
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,292
−HK$1,757/mo
Today · 4.125%
HK$68,049
baseline
▲ 0.50% · 4.625%
HK$71,636
+HK$3,587/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,705
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,811
−HK$2,139/mo
Today · 4.125%
HK$71,950
baseline
▲ 0.50% · 4.625%
HK$76,328
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,900/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,321
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,341
−HK$2,049/mo
Today · 4.125%
HK$79,390
baseline
▲ 0.50% · 4.625%
HK$83,575
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,780/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,049
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,756
−HK$2,751/mo
Today · 4.125%
HK$92,507
baseline
▲ 0.50% · 4.625%
HK$98,136
+HK$5,629/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,014/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,841
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,438
−HK$2,635/mo
Today · 4.125%
HK$102,073
baseline
▲ 0.50% · 4.625%
HK$107,453
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,146/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,833 · Scale 2, in force from 26 Feb 2026)