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$46,739
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,477/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,692
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,996
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,391
−HK$1,414/mo
Today · 4.125%
HK$54,805
baseline
▲ 0.50% · 4.625%
HK$57,694
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,610/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,086
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,831
−HK$1,773/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$63,230
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,396
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,698/mo
Today · 4.125%
HK$65,767
baseline
▲ 0.50% · 4.625%
HK$69,233
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,534/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,434
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,470
−HK$2,067/mo
Today · 4.125%
HK$69,537
baseline
▲ 0.50% · 4.625%
HK$73,769
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,074/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,795
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,747
−HK$1,981/mo
Today · 4.125%
HK$76,728
baseline
▲ 0.50% · 4.625%
HK$80,772
+HK$4,044/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,456/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,130
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,747
−HK$2,658/mo
Today · 4.125%
HK$89,405
baseline
▲ 0.50% · 4.625%
HK$94,845
+HK$5,440/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,810/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,593
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,103
−HK$2,547/mo
Today · 4.125%
HK$98,650
baseline
▲ 0.50% · 4.625%
HK$103,850
+HK$5,200/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,300/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,711 · Scale 2, in force from 26 Feb 2026)