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$48,323
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,826
−HK$1,527/mo
Today · 4.125%
HK$51,353
baseline
▲ 0.50% · 4.625%
HK$54,478
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,706/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,759
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,201
−HK$1,462/mo
Today · 4.125%
HK$56,663
baseline
▲ 0.50% · 4.625%
HK$59,650
+HK$2,987/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,326/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,988
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,791
−HK$1,833/mo
Today · 4.125%
HK$61,624
baseline
▲ 0.50% · 4.625%
HK$65,374
+HK$3,750/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,248/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,511
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,241
−HK$1,755/mo
Today · 4.125%
HK$67,996
baseline
▲ 0.50% · 4.625%
HK$71,580
+HK$3,584/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$135,992/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,652
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$2,138/mo
Today · 4.125%
HK$71,895
baseline
▲ 0.50% · 4.625%
HK$76,269
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,790/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,262
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,281
−HK$2,048/mo
Today · 4.125%
HK$79,329
baseline
▲ 0.50% · 4.625%
HK$83,510
+HK$4,181/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,658/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,981
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,687
−HK$2,749/mo
Today · 4.125%
HK$92,436
baseline
▲ 0.50% · 4.625%
HK$98,060
+HK$5,624/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,872/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,766
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,361
−HK$2,633/mo
Today · 4.125%
HK$101,994
baseline
▲ 0.50% · 4.625%
HK$107,370
+HK$5,376/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,988/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,192 · Scale 2, in force from 26 Feb 2026)