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$49,031
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,556
−HK$1,550/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$55,276
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,010
−HK$1,484/mo
Today · 4.125%
HK$57,494
baseline
▲ 0.50% · 4.625%
HK$60,524
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,988/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,837
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,668
−HK$1,859/mo
Today · 4.125%
HK$62,527
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,054/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,456
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$1,780/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$72,629
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,644
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,779
−HK$2,169/mo
Today · 4.125%
HK$72,948
baseline
▲ 0.50% · 4.625%
HK$77,387
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,896/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,365
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,414
−HK$2,077/mo
Today · 4.125%
HK$80,491
baseline
▲ 0.50% · 4.625%
HK$84,734
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,982/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,256
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,001
−HK$2,790/mo
Today · 4.125%
HK$93,791
baseline
▲ 0.50% · 4.625%
HK$99,498
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,582/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,184
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,817
−HK$2,672/mo
Today · 4.125%
HK$103,489
baseline
▲ 0.50% · 4.625%
HK$108,944
+HK$5,455/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,978/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,250 · Scale 2, in force from 26 Feb 2026)