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$49,040
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,550/mo
Today · 4.125%
HK$52,115
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,230/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,556
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,019
−HK$1,485/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,848
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,678
−HK$1,860/mo
Today · 4.125%
HK$62,538
baseline
▲ 0.50% · 4.625%
HK$66,343
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,076/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,468
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,223
−HK$1,782/mo
Today · 4.125%
HK$69,005
baseline
▲ 0.50% · 4.625%
HK$72,642
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,010/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,656
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,791
−HK$2,170/mo
Today · 4.125%
HK$72,961
baseline
▲ 0.50% · 4.625%
HK$77,401
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,922/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,379
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,078/mo
Today · 4.125%
HK$80,505
baseline
▲ 0.50% · 4.625%
HK$84,749
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$161,010/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,272
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,790/mo
Today · 4.125%
HK$93,807
baseline
▲ 0.50% · 4.625%
HK$99,515
+HK$5,708/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,614/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,201
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,835
−HK$2,672/mo
Today · 4.125%
HK$103,507
baseline
▲ 0.50% · 4.625%
HK$108,963
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,014/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,627 · Scale 2, in force from 26 Feb 2026)