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$46,725
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,178
−HK$1,477/mo
Today · 4.125%
HK$49,655
baseline
▲ 0.50% · 4.625%
HK$52,676
+HK$3,021/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,310/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,981
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,375
−HK$1,414/mo
Today · 4.125%
HK$54,789
baseline
▲ 0.50% · 4.625%
HK$57,677
+HK$2,888/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,578/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,070
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,814
−HK$1,772/mo
Today · 4.125%
HK$59,586
baseline
▲ 0.50% · 4.625%
HK$63,212
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$119,172/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,377
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,050
−HK$1,697/mo
Today · 4.125%
HK$65,747
baseline
▲ 0.50% · 4.625%
HK$69,213
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$131,494/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,415
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,450
−HK$2,067/mo
Today · 4.125%
HK$69,517
baseline
▲ 0.50% · 4.625%
HK$73,747
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,034/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,773
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,725
−HK$1,980/mo
Today · 4.125%
HK$76,705
baseline
▲ 0.50% · 4.625%
HK$80,748
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,410/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,105
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,721
−HK$2,658/mo
Today · 4.125%
HK$89,379
baseline
▲ 0.50% · 4.625%
HK$94,817
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,758/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,566
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,075
−HK$2,546/mo
Today · 4.125%
HK$98,621
baseline
▲ 0.50% · 4.625%
HK$103,819
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,242/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,108 · Scale 2, in force from 26 Feb 2026)