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$46,747
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,478/mo
Today · 4.125%
HK$49,679
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,358/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,006
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,401
−HK$1,414/mo
Today · 4.125%
HK$54,815
baseline
▲ 0.50% · 4.625%
HK$57,705
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,630/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,097
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,842
−HK$1,772/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$63,242
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,407
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,081
−HK$1,698/mo
Today · 4.125%
HK$65,779
baseline
▲ 0.50% · 4.625%
HK$69,246
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,558/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,446
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,482
−HK$2,068/mo
Today · 4.125%
HK$69,550
baseline
▲ 0.50% · 4.625%
HK$73,782
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,100/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,808
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,761
−HK$1,981/mo
Today · 4.125%
HK$76,742
baseline
▲ 0.50% · 4.625%
HK$80,787
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,484/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,145
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,762
−HK$2,660/mo
Today · 4.125%
HK$89,422
baseline
▲ 0.50% · 4.625%
HK$94,863
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,844/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,610
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,121
−HK$2,547/mo
Today · 4.125%
HK$98,668
baseline
▲ 0.50% · 4.625%
HK$103,869
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,336/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,084 · Scale 2, in force from 26 Feb 2026)