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$48,334
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,837
−HK$1,528/mo
Today · 4.125%
HK$51,365
baseline
▲ 0.50% · 4.625%
HK$54,490
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,730/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,771
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,213
−HK$1,463/mo
Today · 4.125%
HK$56,676
baseline
▲ 0.50% · 4.625%
HK$59,663
+HK$2,987/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,352/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,000
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,805
−HK$1,833/mo
Today · 4.125%
HK$61,638
baseline
▲ 0.50% · 4.625%
HK$65,388
+HK$3,750/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,276/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,525
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,255
−HK$1,756/mo
Today · 4.125%
HK$68,011
baseline
▲ 0.50% · 4.625%
HK$71,596
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,022/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,667
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,772
−HK$2,138/mo
Today · 4.125%
HK$71,910
baseline
▲ 0.50% · 4.625%
HK$76,286
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,820/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,279
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,298
−HK$2,048/mo
Today · 4.125%
HK$79,346
baseline
▲ 0.50% · 4.625%
HK$83,529
+HK$4,183/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,692/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,001
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,707
−HK$2,749/mo
Today · 4.125%
HK$92,456
baseline
▲ 0.50% · 4.625%
HK$98,082
+HK$5,626/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,912/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,787
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,383
−HK$2,633/mo
Today · 4.125%
HK$102,016
baseline
▲ 0.50% · 4.625%
HK$107,394
+HK$5,378/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,032/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,660 · Scale 2, in force from 26 Feb 2026)