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$49,034
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,549/mo
Today · 4.125%
HK$52,108
baseline
▲ 0.50% · 4.625%
HK$55,279
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,216/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,549
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,012
−HK$1,485/mo
Today · 4.125%
HK$57,497
baseline
▲ 0.50% · 4.625%
HK$60,527
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,994/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,840
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,671
−HK$1,859/mo
Today · 4.125%
HK$62,530
baseline
▲ 0.50% · 4.625%
HK$66,335
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,060/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,215
−HK$1,781/mo
Today · 4.125%
HK$68,996
baseline
▲ 0.50% · 4.625%
HK$72,633
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,992/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,647
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,782
−HK$2,170/mo
Today · 4.125%
HK$72,952
baseline
▲ 0.50% · 4.625%
HK$77,391
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,904/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,369
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,417
−HK$2,078/mo
Today · 4.125%
HK$80,495
baseline
▲ 0.50% · 4.625%
HK$84,738
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,990/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$91,006
−HK$2,789/mo
Today · 4.125%
HK$93,795
baseline
▲ 0.50% · 4.625%
HK$99,502
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,590/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,189
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,822
−HK$2,672/mo
Today · 4.125%
HK$103,494
baseline
▲ 0.50% · 4.625%
HK$108,949
+HK$5,455/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,988/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,357 · Scale 2, in force from 26 Feb 2026)