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$47,902
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,392
−HK$1,514/mo
Today · 4.125%
HK$50,906
baseline
▲ 0.50% · 4.625%
HK$54,004
+HK$3,098/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,812/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,291
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,720
−HK$1,450/mo
Today · 4.125%
HK$56,170
baseline
▲ 0.50% · 4.625%
HK$59,131
+HK$2,961/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,340/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,483
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,271
−HK$1,816/mo
Today · 4.125%
HK$61,087
baseline
▲ 0.50% · 4.625%
HK$64,804
+HK$3,717/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,174/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,949
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,664
−HK$1,740/mo
Today · 4.125%
HK$67,404
baseline
▲ 0.50% · 4.625%
HK$70,957
+HK$3,553/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,808/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,063
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,149
−HK$2,120/mo
Today · 4.125%
HK$71,269
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$4,336/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,538/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,030/mo
Today · 4.125%
HK$78,638
baseline
▲ 0.50% · 4.625%
HK$82,783
+HK$4,145/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,276/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,224
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,906
−HK$2,725/mo
Today · 4.125%
HK$91,631
baseline
▲ 0.50% · 4.625%
HK$97,207
+HK$5,576/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,262/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,923
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,496
−HK$2,610/mo
Today · 4.125%
HK$101,106
baseline
▲ 0.50% · 4.625%
HK$106,435
+HK$5,329/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,212/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,742 · Scale 2, in force from 26 Feb 2026)