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$48,364
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,868
−HK$1,529/mo
Today · 4.125%
HK$51,397
baseline
▲ 0.50% · 4.625%
HK$54,524
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,794/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,805
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,248
−HK$1,463/mo
Today · 4.125%
HK$56,711
baseline
▲ 0.50% · 4.625%
HK$59,701
+HK$2,990/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,422/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,037
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,842
−HK$1,834/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$65,429
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,297
−HK$1,757/mo
Today · 4.125%
HK$68,054
baseline
▲ 0.50% · 4.625%
HK$71,641
+HK$3,587/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$136,108/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,710
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,816
−HK$2,140/mo
Today · 4.125%
HK$71,956
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,912/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,326
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,049/mo
Today · 4.125%
HK$79,396
baseline
▲ 0.50% · 4.625%
HK$83,581
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,792/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,055
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,763
−HK$2,751/mo
Today · 4.125%
HK$92,514
baseline
▲ 0.50% · 4.625%
HK$98,144
+HK$5,630/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,028/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,848
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,446
−HK$2,635/mo
Today · 4.125%
HK$102,081
baseline
▲ 0.50% · 4.625%
HK$107,461
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,162/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,993 · Scale 2, in force from 26 Feb 2026)