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$46,742
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,196
−HK$1,478/mo
Today · 4.125%
HK$49,674
baseline
▲ 0.50% · 4.625%
HK$52,696
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,348/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,000
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,395
−HK$1,415/mo
Today · 4.125%
HK$54,810
baseline
▲ 0.50% · 4.625%
HK$57,699
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,620/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,091
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,836
−HK$1,772/mo
Today · 4.125%
HK$59,608
baseline
▲ 0.50% · 4.625%
HK$63,235
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,216/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,401
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,074
−HK$1,698/mo
Today · 4.125%
HK$65,772
baseline
▲ 0.50% · 4.625%
HK$69,239
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,544/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,439
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,475
−HK$2,068/mo
Today · 4.125%
HK$69,543
baseline
▲ 0.50% · 4.625%
HK$73,774
+HK$4,231/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,086/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,801
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,753
−HK$1,981/mo
Today · 4.125%
HK$76,734
baseline
▲ 0.50% · 4.625%
HK$80,779
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,468/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,136
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,753
−HK$2,659/mo
Today · 4.125%
HK$89,412
baseline
▲ 0.50% · 4.625%
HK$94,853
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,824/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,601
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,111
−HK$2,547/mo
Today · 4.125%
HK$98,658
baseline
▲ 0.50% · 4.625%
HK$103,858
+HK$5,200/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,316/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,874 · Scale 2, in force from 26 Feb 2026)