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$47,875
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,364
−HK$1,513/mo
Today · 4.125%
HK$50,877
baseline
▲ 0.50% · 4.625%
HK$53,973
+HK$3,096/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,754/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,260
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,689
−HK$1,449/mo
Today · 4.125%
HK$56,138
baseline
▲ 0.50% · 4.625%
HK$59,097
+HK$2,959/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,276/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,450
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,237
−HK$1,816/mo
Today · 4.125%
HK$61,053
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,106/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,913
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$1,739/mo
Today · 4.125%
HK$67,366
baseline
▲ 0.50% · 4.625%
HK$70,917
+HK$3,551/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,732/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,025
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$2,118/mo
Today · 4.125%
HK$71,228
baseline
▲ 0.50% · 4.625%
HK$75,562
+HK$4,334/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,456/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,565
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,564
−HK$2,029/mo
Today · 4.125%
HK$78,593
baseline
▲ 0.50% · 4.625%
HK$82,736
+HK$4,143/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,186/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,175
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,856
−HK$2,723/mo
Today · 4.125%
HK$91,579
baseline
▲ 0.50% · 4.625%
HK$97,151
+HK$5,572/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,158/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,869
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,440
−HK$2,608/mo
Today · 4.125%
HK$101,048
baseline
▲ 0.50% · 4.625%
HK$106,375
+HK$5,327/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,096/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,546 · Scale 2, in force from 26 Feb 2026)