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$47,895
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,384
−HK$1,514/mo
Today · 4.125%
HK$50,898
baseline
▲ 0.50% · 4.625%
HK$53,995
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,796/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,282
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,711
−HK$1,450/mo
Today · 4.125%
HK$56,161
baseline
▲ 0.50% · 4.625%
HK$59,121
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,322/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,473
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,261
−HK$1,817/mo
Today · 4.125%
HK$61,078
baseline
▲ 0.50% · 4.625%
HK$64,794
+HK$3,716/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,156/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,939
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,653
−HK$1,740/mo
Today · 4.125%
HK$67,393
baseline
▲ 0.50% · 4.625%
HK$70,945
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,786/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,052
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,138
−HK$2,119/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,593
+HK$4,336/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,595
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,596
−HK$2,029/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$82,770
+HK$4,145/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,210
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,892
−HK$2,724/mo
Today · 4.125%
HK$91,616
baseline
▲ 0.50% · 4.625%
HK$97,191
+HK$5,575/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,232/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,908
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,480
−HK$2,610/mo
Today · 4.125%
HK$101,090
baseline
▲ 0.50% · 4.625%
HK$106,418
+HK$5,328/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,180/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,403 · Scale 2, in force from 26 Feb 2026)