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$46,763
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,218
−HK$1,478/mo
Today · 4.125%
HK$49,696
baseline
▲ 0.50% · 4.625%
HK$52,720
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,392/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,024
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,419
−HK$1,415/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$57,725
+HK$2,891/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,116
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,861
−HK$1,774/mo
Today · 4.125%
HK$59,635
baseline
▲ 0.50% · 4.625%
HK$63,264
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,270/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,428
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,103
−HK$1,698/mo
Today · 4.125%
HK$65,801
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,602/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,469
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,505
−HK$2,069/mo
Today · 4.125%
HK$69,574
baseline
▲ 0.50% · 4.625%
HK$73,807
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,148/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,833
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,786
−HK$1,982/mo
Today · 4.125%
HK$76,768
baseline
▲ 0.50% · 4.625%
HK$80,815
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,536/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,174
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,792
−HK$2,660/mo
Today · 4.125%
HK$89,452
baseline
▲ 0.50% · 4.625%
HK$94,895
+HK$5,443/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,904/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,643
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,154
−HK$2,548/mo
Today · 4.125%
HK$98,702
baseline
▲ 0.50% · 4.625%
HK$103,905
+HK$5,203/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,404/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,790 · Scale 2, in force from 26 Feb 2026)