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$48,362
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,529/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,245
−HK$1,464/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$59,698
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,034
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,839
−HK$1,834/mo
Today · 4.125%
HK$61,673
baseline
▲ 0.50% · 4.625%
HK$65,426
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$123,346/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,562
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,294
−HK$1,757/mo
Today · 4.125%
HK$68,051
baseline
▲ 0.50% · 4.625%
HK$71,638
+HK$3,587/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$136,102/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,707
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,813
−HK$2,139/mo
Today · 4.125%
HK$71,952
baseline
▲ 0.50% · 4.625%
HK$76,330
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,904/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,323
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,343
−HK$2,049/mo
Today · 4.125%
HK$79,392
baseline
▲ 0.50% · 4.625%
HK$83,577
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,784/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,051
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,759
−HK$2,751/mo
Today · 4.125%
HK$92,510
baseline
▲ 0.50% · 4.625%
HK$98,139
+HK$5,629/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,020/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,844
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,441
−HK$2,635/mo
Today · 4.125%
HK$102,076
baseline
▲ 0.50% · 4.625%
HK$107,456
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,152/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,894 · Scale 2, in force from 26 Feb 2026)