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$47,885
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,375
−HK$1,513/mo
Today · 4.125%
HK$50,888
baseline
▲ 0.50% · 4.625%
HK$53,985
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,776/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,701
−HK$1,449/mo
Today · 4.125%
HK$56,150
baseline
▲ 0.50% · 4.625%
HK$59,110
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,300/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,462
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,250
−HK$1,816/mo
Today · 4.125%
HK$61,066
baseline
▲ 0.50% · 4.625%
HK$64,781
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,132/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,926
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,641
−HK$1,739/mo
Today · 4.125%
HK$67,380
baseline
▲ 0.50% · 4.625%
HK$70,932
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,760/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,039
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,125
−HK$2,118/mo
Today · 4.125%
HK$71,243
baseline
▲ 0.50% · 4.625%
HK$75,578
+HK$4,335/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,486/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,581
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,581
−HK$2,029/mo
Today · 4.125%
HK$78,610
baseline
▲ 0.50% · 4.625%
HK$82,754
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,220/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,193
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,875
−HK$2,724/mo
Today · 4.125%
HK$91,599
baseline
▲ 0.50% · 4.625%
HK$97,172
+HK$5,573/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,198/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,889
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,461
−HK$2,609/mo
Today · 4.125%
HK$101,070
baseline
▲ 0.50% · 4.625%
HK$106,398
+HK$5,328/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,140/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,996 · Scale 2, in force from 26 Feb 2026)