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$48,349
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,853
−HK$1,528/mo
Today · 4.125%
HK$51,381
baseline
▲ 0.50% · 4.625%
HK$54,508
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,762/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,788
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,231
−HK$1,463/mo
Today · 4.125%
HK$56,694
baseline
▲ 0.50% · 4.625%
HK$59,683
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,388/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,019
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,824
−HK$1,834/mo
Today · 4.125%
HK$61,658
baseline
▲ 0.50% · 4.625%
HK$65,409
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,316/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,546
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,277
−HK$1,756/mo
Today · 4.125%
HK$68,033
baseline
▲ 0.50% · 4.625%
HK$71,619
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,066/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,689
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,795
−HK$2,139/mo
Today · 4.125%
HK$71,934
baseline
▲ 0.50% · 4.625%
HK$76,311
+HK$4,377/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,868/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,303
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,323
−HK$2,049/mo
Today · 4.125%
HK$79,372
baseline
▲ 0.50% · 4.625%
HK$83,556
+HK$4,184/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,744/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,029
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,736
−HK$2,750/mo
Today · 4.125%
HK$92,486
baseline
▲ 0.50% · 4.625%
HK$98,114
+HK$5,628/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,972/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,819
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,415
−HK$2,635/mo
Today · 4.125%
HK$102,050
baseline
▲ 0.50% · 4.625%
HK$107,429
+HK$5,379/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,100/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,349 · Scale 2, in force from 26 Feb 2026)