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$46,755
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,477/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,015
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,410
−HK$1,415/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,106
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,851
−HK$1,774/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$63,253
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,418
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,092
−HK$1,698/mo
Today · 4.125%
HK$65,790
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,580/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,457
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,493
−HK$2,069/mo
Today · 4.125%
HK$69,562
baseline
▲ 0.50% · 4.625%
HK$73,795
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,124/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,820
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,773
−HK$1,982/mo
Today · 4.125%
HK$76,755
baseline
▲ 0.50% · 4.625%
HK$80,801
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,510/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,159
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,777
−HK$2,660/mo
Today · 4.125%
HK$89,437
baseline
▲ 0.50% · 4.625%
HK$94,879
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,874/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,626
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,137
−HK$2,548/mo
Today · 4.125%
HK$98,685
baseline
▲ 0.50% · 4.625%
HK$103,886
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,370/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,434 · Scale 2, in force from 26 Feb 2026)