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$48,351
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,528/mo
Today · 4.125%
HK$51,383
baseline
▲ 0.50% · 4.625%
HK$54,510
+HK$3,127/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,766/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,790
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,233
−HK$1,463/mo
Today · 4.125%
HK$56,696
baseline
▲ 0.50% · 4.625%
HK$59,685
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,392/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,826
−HK$1,834/mo
Today · 4.125%
HK$61,660
baseline
▲ 0.50% · 4.625%
HK$65,412
+HK$3,752/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,320/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,548
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,279
−HK$1,757/mo
Today · 4.125%
HK$68,036
baseline
▲ 0.50% · 4.625%
HK$71,622
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,072/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,692
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,797
−HK$2,140/mo
Today · 4.125%
HK$71,937
baseline
▲ 0.50% · 4.625%
HK$76,314
+HK$4,377/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,874/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,306
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,326
−HK$2,049/mo
Today · 4.125%
HK$79,375
baseline
▲ 0.50% · 4.625%
HK$83,559
+HK$4,184/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,750/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,032
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,739
−HK$2,751/mo
Today · 4.125%
HK$92,490
baseline
▲ 0.50% · 4.625%
HK$98,118
+HK$5,628/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,980/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,822
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,419
−HK$2,634/mo
Today · 4.125%
HK$102,053
baseline
▲ 0.50% · 4.625%
HK$107,433
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,106/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,429 · Scale 2, in force from 26 Feb 2026)