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$47,878
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,368
−HK$1,513/mo
Today · 4.125%
HK$50,881
baseline
▲ 0.50% · 4.625%
HK$53,977
+HK$3,096/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,762/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,264
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,693
−HK$1,449/mo
Today · 4.125%
HK$56,142
baseline
▲ 0.50% · 4.625%
HK$59,101
+HK$2,959/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,284/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,454
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,241
−HK$1,816/mo
Today · 4.125%
HK$61,057
baseline
▲ 0.50% · 4.625%
HK$64,772
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,114/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,917
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,631
−HK$1,739/mo
Today · 4.125%
HK$67,370
baseline
▲ 0.50% · 4.625%
HK$70,921
+HK$3,551/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,740/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,115
−HK$2,118/mo
Today · 4.125%
HK$71,233
baseline
▲ 0.50% · 4.625%
HK$75,567
+HK$4,334/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,466/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,570
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,570
−HK$2,029/mo
Today · 4.125%
HK$78,599
baseline
▲ 0.50% · 4.625%
HK$82,742
+HK$4,143/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,198/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,181
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,862
−HK$2,723/mo
Today · 4.125%
HK$91,585
baseline
▲ 0.50% · 4.625%
HK$97,158
+HK$5,573/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,170/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,875
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,447
−HK$2,608/mo
Today · 4.125%
HK$101,055
baseline
▲ 0.50% · 4.625%
HK$106,382
+HK$5,327/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,110/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,689 · Scale 2, in force from 26 Feb 2026)