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$46,751
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,206
−HK$1,477/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,706
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,405
−HK$1,415/mo
Today · 4.125%
HK$54,820
baseline
▲ 0.50% · 4.625%
HK$57,710
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,640/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,102
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,847
−HK$1,773/mo
Today · 4.125%
HK$59,620
baseline
▲ 0.50% · 4.625%
HK$63,247
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,240/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,413
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,698/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,252
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,452
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,488
−HK$2,068/mo
Today · 4.125%
HK$69,556
baseline
▲ 0.50% · 4.625%
HK$73,789
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,112/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,815
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,767
−HK$1,982/mo
Today · 4.125%
HK$76,749
baseline
▲ 0.50% · 4.625%
HK$80,794
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,498/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,152
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,770
−HK$2,660/mo
Today · 4.125%
HK$89,430
baseline
▲ 0.50% · 4.625%
HK$94,871
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,860/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,619
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,130
−HK$2,547/mo
Today · 4.125%
HK$98,677
baseline
▲ 0.50% · 4.625%
HK$103,878
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,354/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,268 · Scale 2, in force from 26 Feb 2026)