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$47,892
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,382
−HK$1,514/mo
Today · 4.125%
HK$50,896
baseline
▲ 0.50% · 4.625%
HK$53,993
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,792/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,280
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,709
−HK$1,449/mo
Today · 4.125%
HK$56,158
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$2,961/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,316/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,471
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,259
−HK$1,816/mo
Today · 4.125%
HK$61,075
baseline
▲ 0.50% · 4.625%
HK$64,791
+HK$3,716/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,150/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,936
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,651
−HK$1,739/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,049
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,135
−HK$2,119/mo
Today · 4.125%
HK$71,254
baseline
▲ 0.50% · 4.625%
HK$75,590
+HK$4,336/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,508/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,592
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,592
−HK$2,030/mo
Today · 4.125%
HK$78,622
baseline
▲ 0.50% · 4.625%
HK$82,766
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,244/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,206
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,888
−HK$2,724/mo
Today · 4.125%
HK$91,612
baseline
▲ 0.50% · 4.625%
HK$97,187
+HK$5,575/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,224/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,904
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,476
−HK$2,609/mo
Today · 4.125%
HK$101,085
baseline
▲ 0.50% · 4.625%
HK$106,413
+HK$5,328/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,170/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,308 · Scale 2, in force from 26 Feb 2026)