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$46,751
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,478/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,706
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,405
−HK$1,415/mo
Today · 4.125%
HK$54,820
baseline
▲ 0.50% · 4.625%
HK$57,710
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,640/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,101
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,846
−HK$1,773/mo
Today · 4.125%
HK$59,619
baseline
▲ 0.50% · 4.625%
HK$63,247
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,238/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,412
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,698/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,251
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,451
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,487
−HK$2,069/mo
Today · 4.125%
HK$69,556
baseline
▲ 0.50% · 4.625%
HK$73,788
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,112/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,814
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,767
−HK$1,981/mo
Today · 4.125%
HK$76,748
baseline
▲ 0.50% · 4.625%
HK$80,793
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,496/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,152
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,769
−HK$2,660/mo
Today · 4.125%
HK$89,429
baseline
▲ 0.50% · 4.625%
HK$94,870
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,858/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,618
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,129
−HK$2,547/mo
Today · 4.125%
HK$98,676
baseline
▲ 0.50% · 4.625%
HK$103,877
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,352/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,249 · Scale 2, in force from 26 Feb 2026)