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$48,361
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,529/mo
Today · 4.125%
HK$51,394
baseline
▲ 0.50% · 4.625%
HK$54,521
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,788/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,801
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,244
−HK$1,464/mo
Today · 4.125%
HK$56,708
baseline
▲ 0.50% · 4.625%
HK$59,697
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,416/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,033
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,838
−HK$1,834/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,561
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$1,756/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$12.73M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,705
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,811
−HK$2,140/mo
Today · 4.125%
HK$71,951
baseline
▲ 0.50% · 4.625%
HK$76,329
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,902/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,322
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,342
−HK$2,049/mo
Today · 4.125%
HK$79,391
baseline
▲ 0.50% · 4.625%
HK$83,576
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,782/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,050
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,758
−HK$2,751/mo
Today · 4.125%
HK$92,509
baseline
▲ 0.50% · 4.625%
HK$98,138
+HK$5,629/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,018/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,842
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,439
−HK$2,635/mo
Today · 4.125%
HK$102,074
baseline
▲ 0.50% · 4.625%
HK$107,455
+HK$5,381/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,148/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,859 · Scale 2, in force from 26 Feb 2026)