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$48,329
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,832
−HK$1,528/mo
Today · 4.125%
HK$51,360
baseline
▲ 0.50% · 4.625%
HK$54,485
+HK$3,125/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,720/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,765
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,207
−HK$1,463/mo
Today · 4.125%
HK$56,670
baseline
▲ 0.50% · 4.625%
HK$59,657
+HK$2,987/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,340/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,995
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,799
−HK$1,833/mo
Today · 4.125%
HK$61,632
baseline
▲ 0.50% · 4.625%
HK$65,382
+HK$3,750/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,264/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,519
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,249
−HK$1,755/mo
Today · 4.125%
HK$68,004
baseline
▲ 0.50% · 4.625%
HK$71,589
+HK$3,585/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,008/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,661
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,765
−HK$2,138/mo
Today · 4.125%
HK$71,903
baseline
▲ 0.50% · 4.625%
HK$76,279
+HK$4,376/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,806/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,272
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,290
−HK$2,048/mo
Today · 4.125%
HK$79,338
baseline
▲ 0.50% · 4.625%
HK$83,520
+HK$4,182/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,676/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,992
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,698
−HK$2,749/mo
Today · 4.125%
HK$92,447
baseline
▲ 0.50% · 4.625%
HK$98,072
+HK$5,625/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,894/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,778
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,373
−HK$2,633/mo
Today · 4.125%
HK$102,006
baseline
▲ 0.50% · 4.625%
HK$107,383
+HK$5,377/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,012/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,453 · Scale 2, in force from 26 Feb 2026)