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$47,872
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,361
−HK$1,513/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,970
+HK$3,096/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,748/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,257
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,686
−HK$1,449/mo
Today · 4.125%
HK$56,135
baseline
▲ 0.50% · 4.625%
HK$59,094
+HK$2,959/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,270/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,447
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,234
−HK$1,815/mo
Today · 4.125%
HK$61,049
baseline
▲ 0.50% · 4.625%
HK$64,764
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,098/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,909
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,623
−HK$1,739/mo
Today · 4.125%
HK$67,362
baseline
▲ 0.50% · 4.625%
HK$70,912
+HK$3,550/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,724/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,021
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,106
−HK$2,118/mo
Today · 4.125%
HK$71,224
baseline
▲ 0.50% · 4.625%
HK$75,558
+HK$4,334/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,448/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,560
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,560
−HK$2,029/mo
Today · 4.125%
HK$78,589
baseline
▲ 0.50% · 4.625%
HK$82,731
+HK$4,142/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,178/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,850
−HK$2,724/mo
Today · 4.125%
HK$91,574
baseline
▲ 0.50% · 4.625%
HK$97,146
+HK$5,572/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,148/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,863
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,434
−HK$2,609/mo
Today · 4.125%
HK$101,043
baseline
▲ 0.50% · 4.625%
HK$106,369
+HK$5,326/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,086/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,425 · Scale 2, in force from 26 Feb 2026)