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$48,347
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,528/mo
Today · 4.125%
HK$51,379
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,758/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,785
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,228
−HK$1,463/mo
Today · 4.125%
HK$56,691
baseline
▲ 0.50% · 4.625%
HK$59,680
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,382/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,016
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,821
−HK$1,833/mo
Today · 4.125%
HK$61,654
baseline
▲ 0.50% · 4.625%
HK$65,406
+HK$3,752/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,308/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,542
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,273
−HK$1,756/mo
Today · 4.125%
HK$68,029
baseline
▲ 0.50% · 4.625%
HK$71,615
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,058/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,686
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,791
−HK$2,139/mo
Today · 4.125%
HK$71,930
baseline
▲ 0.50% · 4.625%
HK$76,307
+HK$4,377/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,860/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,300
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,319
−HK$2,049/mo
Today · 4.125%
HK$79,368
baseline
▲ 0.50% · 4.625%
HK$83,551
+HK$4,183/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,736/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,024
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,731
−HK$2,751/mo
Today · 4.125%
HK$92,482
baseline
▲ 0.50% · 4.625%
HK$98,109
+HK$5,627/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,964/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,814
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,410
−HK$2,634/mo
Today · 4.125%
HK$102,044
baseline
▲ 0.50% · 4.625%
HK$107,423
+HK$5,379/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,088/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,238 · Scale 2, in force from 26 Feb 2026)