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$47,865
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,513/mo
Today · 4.125%
HK$50,867
baseline
▲ 0.50% · 4.625%
HK$53,962
+HK$3,095/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,734/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,250
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,678
−HK$1,449/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,085
+HK$2,958/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,438
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,225
−HK$1,815/mo
Today · 4.125%
HK$61,040
baseline
▲ 0.50% · 4.625%
HK$64,755
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$122,080/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,900
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,613
−HK$1,739/mo
Today · 4.125%
HK$67,352
baseline
▲ 0.50% · 4.625%
HK$70,902
+HK$3,550/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$134,704/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,012
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,096
−HK$2,118/mo
Today · 4.125%
HK$71,214
baseline
▲ 0.50% · 4.625%
HK$75,547
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,428/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,550
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,549
−HK$2,028/mo
Today · 4.125%
HK$78,577
baseline
▲ 0.50% · 4.625%
HK$82,719
+HK$4,142/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,154/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,158
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,838
−HK$2,723/mo
Today · 4.125%
HK$91,561
baseline
▲ 0.50% · 4.625%
HK$97,132
+HK$5,571/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,122/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,850
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,420
−HK$2,608/mo
Today · 4.125%
HK$101,028
baseline
▲ 0.50% · 4.625%
HK$106,353
+HK$5,325/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,056/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,123 · Scale 2, in force from 26 Feb 2026)