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$46,729
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,183
−HK$1,476/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,681
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,986
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,380
−HK$1,414/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$57,683
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,772/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$63,217
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,383
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,697/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,219
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,456
−HK$2,067/mo
Today · 4.125%
HK$69,523
baseline
▲ 0.50% · 4.625%
HK$73,753
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,046/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,780
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,732
−HK$1,980/mo
Today · 4.125%
HK$76,712
baseline
▲ 0.50% · 4.625%
HK$80,756
+HK$4,044/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,424/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,112
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,729
−HK$2,658/mo
Today · 4.125%
HK$89,387
baseline
▲ 0.50% · 4.625%
HK$94,826
+HK$5,439/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,774/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,574
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,084
−HK$2,546/mo
Today · 4.125%
HK$98,630
baseline
▲ 0.50% · 4.625%
HK$103,829
+HK$5,199/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,260/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,290 · Scale 2, in force from 26 Feb 2026)