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$46,758
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,213
−HK$1,477/mo
Today · 4.125%
HK$49,690
baseline
▲ 0.50% · 4.625%
HK$52,714
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,380/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,018
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,413
−HK$1,415/mo
Today · 4.125%
HK$54,828
baseline
▲ 0.50% · 4.625%
HK$57,718
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,656/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,110
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,855
−HK$1,773/mo
Today · 4.125%
HK$59,628
baseline
▲ 0.50% · 4.625%
HK$63,256
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,256/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,421
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,698/mo
Today · 4.125%
HK$65,794
baseline
▲ 0.50% · 4.625%
HK$69,262
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,588/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,461
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,498
−HK$2,068/mo
Today · 4.125%
HK$69,566
baseline
▲ 0.50% · 4.625%
HK$73,799
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,132/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,825
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,778
−HK$1,982/mo
Today · 4.125%
HK$76,760
baseline
▲ 0.50% · 4.625%
HK$80,806
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,520/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,165
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,783
−HK$2,659/mo
Today · 4.125%
HK$89,442
baseline
▲ 0.50% · 4.625%
HK$94,885
+HK$5,443/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,884/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,632
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,143
−HK$2,548/mo
Today · 4.125%
HK$98,691
baseline
▲ 0.50% · 4.625%
HK$103,893
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,382/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,562 · Scale 2, in force from 26 Feb 2026)