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$48,336
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,839
−HK$1,528/mo
Today · 4.125%
HK$51,367
baseline
▲ 0.50% · 4.625%
HK$54,493
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,734/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,773
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,215
−HK$1,463/mo
Today · 4.125%
HK$56,678
baseline
▲ 0.50% · 4.625%
HK$59,666
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,356/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,003
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,807
−HK$1,833/mo
Today · 4.125%
HK$61,640
baseline
▲ 0.50% · 4.625%
HK$65,391
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,280/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,528
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,259
−HK$1,755/mo
Today · 4.125%
HK$68,014
baseline
▲ 0.50% · 4.625%
HK$71,599
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,028/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,670
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,775
−HK$2,139/mo
Today · 4.125%
HK$71,914
baseline
▲ 0.50% · 4.625%
HK$76,290
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,828/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,283
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,302
−HK$2,048/mo
Today · 4.125%
HK$79,350
baseline
▲ 0.50% · 4.625%
HK$83,532
+HK$4,182/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,700/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,005
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,711
−HK$2,750/mo
Today · 4.125%
HK$92,461
baseline
▲ 0.50% · 4.625%
HK$98,087
+HK$5,626/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,922/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,792
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,388
−HK$2,633/mo
Today · 4.125%
HK$102,021
baseline
▲ 0.50% · 4.625%
HK$107,399
+HK$5,378/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,042/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,760 · Scale 2, in force from 26 Feb 2026)