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$47,896
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,386
−HK$1,513/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,997
+HK$3,098/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,284
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,713
−HK$1,449/mo
Today · 4.125%
HK$56,162
baseline
▲ 0.50% · 4.625%
HK$59,123
+HK$2,961/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,324/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,475
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,263
−HK$1,816/mo
Today · 4.125%
HK$61,079
baseline
▲ 0.50% · 4.625%
HK$64,796
+HK$3,717/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,158/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,940
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,655
−HK$1,740/mo
Today · 4.125%
HK$67,395
baseline
▲ 0.50% · 4.625%
HK$70,947
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,790/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,054
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,140
−HK$2,119/mo
Today · 4.125%
HK$71,259
baseline
▲ 0.50% · 4.625%
HK$75,595
+HK$4,336/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,518/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,597
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,598
−HK$2,029/mo
Today · 4.125%
HK$78,627
baseline
▲ 0.50% · 4.625%
HK$82,772
+HK$4,145/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,254/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,213
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,894
−HK$2,725/mo
Today · 4.125%
HK$91,619
baseline
▲ 0.50% · 4.625%
HK$97,194
+HK$5,575/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,238/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,911
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,483
−HK$2,609/mo
Today · 4.125%
HK$101,092
baseline
▲ 0.50% · 4.625%
HK$106,421
+HK$5,329/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,184/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,462 · Scale 2, in force from 26 Feb 2026)