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$49,015
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,539
−HK$1,549/mo
Today · 4.125%
HK$52,088
baseline
▲ 0.50% · 4.625%
HK$55,258
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,176/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,528
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,991
−HK$1,483/mo
Today · 4.125%
HK$57,474
baseline
▲ 0.50% · 4.625%
HK$60,504
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,948/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,647
−HK$1,859/mo
Today · 4.125%
HK$62,506
baseline
▲ 0.50% · 4.625%
HK$66,309
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,012/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,434
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,189
−HK$1,780/mo
Today · 4.125%
HK$68,969
baseline
▲ 0.50% · 4.625%
HK$72,604
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,938/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,620
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,755
−HK$2,168/mo
Today · 4.125%
HK$72,923
baseline
▲ 0.50% · 4.625%
HK$77,361
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,846/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,339
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,387
−HK$2,077/mo
Today · 4.125%
HK$80,464
baseline
▲ 0.50% · 4.625%
HK$84,705
+HK$4,241/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,928/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,226
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,970
−HK$2,789/mo
Today · 4.125%
HK$93,759
baseline
▲ 0.50% · 4.625%
HK$99,464
+HK$5,705/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,518/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,151
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,783
−HK$2,670/mo
Today · 4.125%
HK$103,453
baseline
▲ 0.50% · 4.625%
HK$108,907
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,906/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,518 · Scale 2, in force from 26 Feb 2026)