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$48,328
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,832
−HK$1,527/mo
Today · 4.125%
HK$51,359
baseline
▲ 0.50% · 4.625%
HK$54,484
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,718/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,765
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,207
−HK$1,462/mo
Today · 4.125%
HK$56,669
baseline
▲ 0.50% · 4.625%
HK$59,657
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,338/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,994
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,798
−HK$1,833/mo
Today · 4.125%
HK$61,631
baseline
▲ 0.50% · 4.625%
HK$65,381
+HK$3,750/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,262/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,518
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,248
−HK$1,755/mo
Today · 4.125%
HK$68,003
baseline
▲ 0.50% · 4.625%
HK$71,588
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,006/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,660
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,764
−HK$2,138/mo
Today · 4.125%
HK$71,902
baseline
▲ 0.50% · 4.625%
HK$76,278
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,804/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,271
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,289
−HK$2,048/mo
Today · 4.125%
HK$79,337
baseline
▲ 0.50% · 4.625%
HK$83,519
+HK$4,182/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,674/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,991
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,697
−HK$2,749/mo
Today · 4.125%
HK$92,446
baseline
▲ 0.50% · 4.625%
HK$98,071
+HK$5,625/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,892/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,777
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,372
−HK$2,633/mo
Today · 4.125%
HK$102,005
baseline
▲ 0.50% · 4.625%
HK$107,382
+HK$5,377/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$204,010/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,424 · Scale 2, in force from 26 Feb 2026)