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$49,041
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,567
−HK$1,550/mo
Today · 4.125%
HK$52,117
baseline
▲ 0.50% · 4.625%
HK$55,288
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,234/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,558
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,021
−HK$1,485/mo
Today · 4.125%
HK$57,506
baseline
▲ 0.50% · 4.625%
HK$60,537
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,012/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,680
−HK$1,860/mo
Today · 4.125%
HK$62,540
baseline
▲ 0.50% · 4.625%
HK$66,345
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,080/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,470
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,226
−HK$1,781/mo
Today · 4.125%
HK$69,007
baseline
▲ 0.50% · 4.625%
HK$72,644
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,014/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,658
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,794
−HK$2,169/mo
Today · 4.125%
HK$72,963
baseline
▲ 0.50% · 4.625%
HK$77,403
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,926/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,381
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,430
−HK$2,078/mo
Today · 4.125%
HK$80,508
baseline
▲ 0.50% · 4.625%
HK$84,752
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$161,016/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,274
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,020
−HK$2,790/mo
Today · 4.125%
HK$93,810
baseline
▲ 0.50% · 4.625%
HK$99,518
+HK$5,708/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,620/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,204
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,838
−HK$2,672/mo
Today · 4.125%
HK$103,510
baseline
▲ 0.50% · 4.625%
HK$108,966
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,020/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,696 · Scale 2, in force from 26 Feb 2026)