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$48,320
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,528/mo
Today · 4.125%
HK$51,351
baseline
▲ 0.50% · 4.625%
HK$54,475
+HK$3,124/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$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,756
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,198
−HK$1,462/mo
Today · 4.125%
HK$56,660
baseline
▲ 0.50% · 4.625%
HK$59,647
+HK$2,987/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,320/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,985
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,788
−HK$1,833/mo
Today · 4.125%
HK$61,621
baseline
▲ 0.50% · 4.625%
HK$65,370
+HK$3,749/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,242/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,507
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,237
−HK$1,755/mo
Today · 4.125%
HK$67,992
baseline
▲ 0.50% · 4.625%
HK$71,576
+HK$3,584/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$135,984/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,649
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,753
−HK$2,138/mo
Today · 4.125%
HK$71,891
baseline
▲ 0.50% · 4.625%
HK$76,265
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,782/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,258
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,277
−HK$2,047/mo
Today · 4.125%
HK$79,324
baseline
▲ 0.50% · 4.625%
HK$83,506
+HK$4,182/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,648/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,977
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,682
−HK$2,749/mo
Today · 4.125%
HK$92,431
baseline
▲ 0.50% · 4.625%
HK$98,055
+HK$5,624/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,862/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,761
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,356
−HK$2,633/mo
Today · 4.125%
HK$101,989
baseline
▲ 0.50% · 4.625%
HK$107,364
+HK$5,375/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,978/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,080 · Scale 2, in force from 26 Feb 2026)