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$46,749
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,477/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,704
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,008
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,403
−HK$1,415/mo
Today · 4.125%
HK$54,818
baseline
▲ 0.50% · 4.625%
HK$57,708
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,636/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,099
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,844
−HK$1,773/mo
Today · 4.125%
HK$59,617
baseline
▲ 0.50% · 4.625%
HK$63,245
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,234/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,410
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,698/mo
Today · 4.125%
HK$65,782
baseline
▲ 0.50% · 4.625%
HK$69,249
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,564/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,449
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,485
−HK$2,068/mo
Today · 4.125%
HK$69,553
baseline
▲ 0.50% · 4.625%
HK$73,786
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,106/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,812
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,764
−HK$1,981/mo
Today · 4.125%
HK$76,745
baseline
▲ 0.50% · 4.625%
HK$80,791
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,490/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,149
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,766
−HK$2,660/mo
Today · 4.125%
HK$89,426
baseline
▲ 0.50% · 4.625%
HK$94,867
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,852/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,615
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,125
−HK$2,548/mo
Today · 4.125%
HK$98,673
baseline
▲ 0.50% · 4.625%
HK$103,874
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,346/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,181 · Scale 2, in force from 26 Feb 2026)