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$49,026
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,551
−HK$1,550/mo
Today · 4.125%
HK$52,101
baseline
▲ 0.50% · 4.625%
HK$55,271
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,202/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,541
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,004
−HK$1,484/mo
Today · 4.125%
HK$57,488
baseline
▲ 0.50% · 4.625%
HK$60,518
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,976/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,832
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,662
−HK$1,859/mo
Today · 4.125%
HK$62,521
baseline
▲ 0.50% · 4.625%
HK$66,325
+HK$3,804/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,042/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,450
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,205
−HK$1,781/mo
Today · 4.125%
HK$68,986
baseline
▲ 0.50% · 4.625%
HK$72,622
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,972/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,637
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,772
−HK$2,169/mo
Today · 4.125%
HK$72,941
baseline
▲ 0.50% · 4.625%
HK$77,379
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,882/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,358
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,406
−HK$2,077/mo
Today · 4.125%
HK$80,483
baseline
▲ 0.50% · 4.625%
HK$84,726
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,966/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,247
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,992
−HK$2,789/mo
Today · 4.125%
HK$93,781
baseline
▲ 0.50% · 4.625%
HK$99,488
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,562/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,174
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,807
−HK$2,672/mo
Today · 4.125%
HK$103,479
baseline
▲ 0.50% · 4.625%
HK$108,933
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,958/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,039 · Scale 2, in force from 26 Feb 2026)