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$46,740
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,194
−HK$1,477/mo
Today · 4.125%
HK$49,671
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,342/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,997
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,392
−HK$1,415/mo
Today · 4.125%
HK$54,807
baseline
▲ 0.50% · 4.625%
HK$57,696
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,614/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,088
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,832
−HK$1,773/mo
Today · 4.125%
HK$59,605
baseline
▲ 0.50% · 4.625%
HK$63,232
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,210/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,397
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,070
−HK$1,698/mo
Today · 4.125%
HK$65,768
baseline
▲ 0.50% · 4.625%
HK$69,235
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,536/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,436
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,471
−HK$2,068/mo
Today · 4.125%
HK$69,539
baseline
▲ 0.50% · 4.625%
HK$73,770
+HK$4,231/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,078/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,796
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,749
−HK$1,980/mo
Today · 4.125%
HK$76,729
baseline
▲ 0.50% · 4.625%
HK$80,774
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,458/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,131
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,748
−HK$2,659/mo
Today · 4.125%
HK$89,407
baseline
▲ 0.50% · 4.625%
HK$94,847
+HK$5,440/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,814/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,595
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,105
−HK$2,547/mo
Today · 4.125%
HK$98,652
baseline
▲ 0.50% · 4.625%
HK$103,852
+HK$5,200/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,304/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,755 · Scale 2, in force from 26 Feb 2026)