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$3,030/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,527/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,475
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$869,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,197
−HK$1,463/mo
Today · 4.125%
HK$56,660
baseline
▲ 0.50% · 4.625%
HK$59,646
+HK$2,986/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$869,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,984
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,788
−HK$1,832/mo
Today · 4.125%
HK$61,620
baseline
▲ 0.50% · 4.625%
HK$65,369
+HK$3,749/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,240/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,057 · 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$869,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,648
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,752
−HK$2,138/mo
Today · 4.125%
HK$71,890
baseline
▲ 0.50% · 4.625%
HK$76,264
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,780/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,258
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,276
−HK$2,048/mo
Today · 4.125%
HK$79,324
baseline
▲ 0.50% · 4.625%
HK$83,505
+HK$4,181/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$869,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,976
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,681
−HK$2,749/mo
Today · 4.125%
HK$92,430
baseline
▲ 0.50% · 4.625%
HK$98,054
+HK$5,624/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,860/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,760
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,355
−HK$2,632/mo
Today · 4.125%
HK$101,987
baseline
▲ 0.50% · 4.625%
HK$107,363
+HK$5,376/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,974/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,057 · Scale 2, in force from 26 Feb 2026)