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$46,753
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,208
−HK$1,477/mo
Today · 4.125%
HK$49,685
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,370/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,013
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,408
−HK$1,415/mo
Today · 4.125%
HK$54,823
baseline
▲ 0.50% · 4.625%
HK$57,713
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,646/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,104
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,849
−HK$1,773/mo
Today · 4.125%
HK$59,622
baseline
▲ 0.50% · 4.625%
HK$63,250
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,244/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,415
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,089
−HK$1,698/mo
Today · 4.125%
HK$65,787
baseline
▲ 0.50% · 4.625%
HK$69,255
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,574/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,455
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,491
−HK$2,068/mo
Today · 4.125%
HK$69,559
baseline
▲ 0.50% · 4.625%
HK$73,792
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,118/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,818
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,771
−HK$1,981/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$80,798
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,156
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,774
−HK$2,660/mo
Today · 4.125%
HK$89,434
baseline
▲ 0.50% · 4.625%
HK$94,875
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,868/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,623
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,134
−HK$2,547/mo
Today · 4.125%
HK$98,681
baseline
▲ 0.50% · 4.625%
HK$103,883
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,362/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,360 · Scale 2, in force from 26 Feb 2026)