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$46,757
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,211
−HK$1,478/mo
Today · 4.125%
HK$49,689
baseline
▲ 0.50% · 4.625%
HK$52,712
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,378/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,016
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,412
−HK$1,415/mo
Today · 4.125%
HK$54,827
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,654/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,108
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,853
−HK$1,774/mo
Today · 4.125%
HK$59,627
baseline
▲ 0.50% · 4.625%
HK$63,255
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,254/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,420
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,094
−HK$1,698/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,496
−HK$2,068/mo
Today · 4.125%
HK$69,564
baseline
▲ 0.50% · 4.625%
HK$73,797
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,128/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,823
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,776
−HK$1,981/mo
Today · 4.125%
HK$76,757
baseline
▲ 0.50% · 4.625%
HK$80,803
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,514/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,162
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,780
−HK$2,660/mo
Today · 4.125%
HK$89,440
baseline
▲ 0.50% · 4.625%
HK$94,882
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,880/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,630
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,141
−HK$2,547/mo
Today · 4.125%
HK$98,688
baseline
▲ 0.50% · 4.625%
HK$103,890
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,376/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,506 · Scale 2, in force from 26 Feb 2026)