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$48,321
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,824
−HK$1,527/mo
Today · 4.125%
HK$51,351
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,702/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,757
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,462/mo
Today · 4.125%
HK$56,661
baseline
▲ 0.50% · 4.625%
HK$59,648
+HK$2,987/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,322/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,985
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,789
−HK$1,833/mo
Today · 4.125%
HK$61,622
baseline
▲ 0.50% · 4.625%
HK$65,371
+HK$3,749/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,244/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$1,755/mo
Today · 4.125%
HK$67,993
baseline
▲ 0.50% · 4.625%
HK$71,577
+HK$3,584/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$135,986/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,650
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,754
−HK$2,138/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$76,266
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,260
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,278
−HK$2,048/mo
Today · 4.125%
HK$79,326
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,181/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,652/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,978
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,684
−HK$2,748/mo
Today · 4.125%
HK$92,432
baseline
▲ 0.50% · 4.625%
HK$98,057
+HK$5,625/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,864/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,762
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,357
−HK$2,633/mo
Today · 4.125%
HK$101,990
baseline
▲ 0.50% · 4.625%
HK$107,366
+HK$5,376/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,980/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,111 · Scale 2, in force from 26 Feb 2026)