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$46,754
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,477/mo
Today · 4.125%
HK$49,686
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,372/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,415/mo
Today · 4.125%
HK$54,824
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,648/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,105
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,850
−HK$1,773/mo
Today · 4.125%
HK$59,623
baseline
▲ 0.50% · 4.625%
HK$63,251
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,246/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,416
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,090
−HK$1,699/mo
Today · 4.125%
HK$65,789
baseline
▲ 0.50% · 4.625%
HK$69,256
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,578/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,456
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,492
−HK$2,069/mo
Today · 4.125%
HK$69,561
baseline
▲ 0.50% · 4.625%
HK$73,793
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,122/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,819
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,772
−HK$1,981/mo
Today · 4.125%
HK$76,753
baseline
▲ 0.50% · 4.625%
HK$80,799
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,506/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,158
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,776
−HK$2,659/mo
Today · 4.125%
HK$89,435
baseline
▲ 0.50% · 4.625%
HK$94,877
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,870/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,625
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,136
−HK$2,547/mo
Today · 4.125%
HK$98,683
baseline
▲ 0.50% · 4.625%
HK$103,885
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,366/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,398 · Scale 2, in force from 26 Feb 2026)