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$46,761
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,215
−HK$1,478/mo
Today · 4.125%
HK$49,693
baseline
▲ 0.50% · 4.625%
HK$52,717
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,386/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,021
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,416
−HK$1,415/mo
Today · 4.125%
HK$54,831
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,662/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,113
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,858
−HK$1,773/mo
Today · 4.125%
HK$59,631
baseline
▲ 0.50% · 4.625%
HK$63,260
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,262/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,425
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,099
−HK$1,698/mo
Today · 4.125%
HK$65,797
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,594/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,465
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,501
−HK$2,069/mo
Today · 4.125%
HK$69,570
baseline
▲ 0.50% · 4.625%
HK$73,803
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,140/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,829
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,782
−HK$1,982/mo
Today · 4.125%
HK$76,764
baseline
▲ 0.50% · 4.625%
HK$80,810
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,528/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,169
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,787
−HK$2,660/mo
Today · 4.125%
HK$89,447
baseline
▲ 0.50% · 4.625%
HK$94,890
+HK$5,443/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,894/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,637
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,149
−HK$2,547/mo
Today · 4.125%
HK$98,696
baseline
▲ 0.50% · 4.625%
HK$103,899
+HK$5,203/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,392/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,674 · Scale 2, in force from 26 Feb 2026)