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$48,354
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,858
−HK$1,529/mo
Today · 4.125%
HK$51,387
baseline
▲ 0.50% · 4.625%
HK$54,513
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,774/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,794
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,237
−HK$1,463/mo
Today · 4.125%
HK$56,700
baseline
▲ 0.50% · 4.625%
HK$59,689
+HK$2,989/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,400/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,025
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,830
−HK$1,834/mo
Today · 4.125%
HK$61,664
baseline
▲ 0.50% · 4.625%
HK$65,416
+HK$3,752/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,328/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,553
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,284
−HK$1,756/mo
Today · 4.125%
HK$68,040
baseline
▲ 0.50% · 4.625%
HK$71,627
+HK$3,587/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,080/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,696
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$2,139/mo
Today · 4.125%
HK$71,941
baseline
▲ 0.50% · 4.625%
HK$76,319
+HK$4,378/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,882/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,311
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,331
−HK$2,049/mo
Today · 4.125%
HK$79,380
baseline
▲ 0.50% · 4.625%
HK$83,564
+HK$4,184/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,760/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,038
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,745
−HK$2,751/mo
Today · 4.125%
HK$92,496
baseline
▲ 0.50% · 4.625%
HK$98,124
+HK$5,628/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$184,992/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,829
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,426
−HK$2,634/mo
Today · 4.125%
HK$102,060
baseline
▲ 0.50% · 4.625%
HK$107,440
+HK$5,380/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,120/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,569 · Scale 2, in force from 26 Feb 2026)