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$48,339
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,843
−HK$1,528/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,496
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,777
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,463/mo
Today · 4.125%
HK$56,682
baseline
▲ 0.50% · 4.625%
HK$59,670
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,364/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,007
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,812
−HK$1,833/mo
Today · 4.125%
HK$61,645
baseline
▲ 0.50% · 4.625%
HK$65,396
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,290/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,532
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,263
−HK$1,756/mo
Today · 4.125%
HK$68,019
baseline
▲ 0.50% · 4.625%
HK$71,604
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,038/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,780
−HK$2,139/mo
Today · 4.125%
HK$71,919
baseline
▲ 0.50% · 4.625%
HK$76,295
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,838/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,288
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,307
−HK$2,048/mo
Today · 4.125%
HK$79,355
baseline
▲ 0.50% · 4.625%
HK$83,538
+HK$4,183/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,710/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,011
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,717
−HK$2,750/mo
Today · 4.125%
HK$92,467
baseline
▲ 0.50% · 4.625%
HK$98,094
+HK$5,627/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,934/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,799
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,395
−HK$2,633/mo
Today · 4.125%
HK$102,028
baseline
▲ 0.50% · 4.625%
HK$107,406
+HK$5,378/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,056/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,907 · Scale 2, in force from 26 Feb 2026)