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$47,876
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,365
−HK$1,513/mo
Today · 4.125%
HK$50,878
baseline
▲ 0.50% · 4.625%
HK$53,974
+HK$3,096/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,756/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,262
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,690
−HK$1,449/mo
Today · 4.125%
HK$56,139
baseline
▲ 0.50% · 4.625%
HK$59,098
+HK$2,959/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,278/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,451
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,238
−HK$1,816/mo
Today · 4.125%
HK$61,054
baseline
▲ 0.50% · 4.625%
HK$64,769
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,108/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,914
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,628
−HK$1,739/mo
Today · 4.125%
HK$67,367
baseline
▲ 0.50% · 4.625%
HK$70,918
+HK$3,551/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,734/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,026
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,111
−HK$2,119/mo
Today · 4.125%
HK$71,230
baseline
▲ 0.50% · 4.625%
HK$75,564
+HK$4,334/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,460/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,566
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,566
−HK$2,029/mo
Today · 4.125%
HK$78,595
baseline
▲ 0.50% · 4.625%
HK$82,738
+HK$4,143/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,190/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,177
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,857
−HK$2,724/mo
Today · 4.125%
HK$91,581
baseline
▲ 0.50% · 4.625%
HK$97,153
+HK$5,572/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,162/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,871
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,442
−HK$2,608/mo
Today · 4.125%
HK$101,050
baseline
▲ 0.50% · 4.625%
HK$106,377
+HK$5,327/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,100/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,588 · Scale 2, in force from 26 Feb 2026)