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$49,004
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,528
−HK$1,549/mo
Today · 4.125%
HK$52,077
baseline
▲ 0.50% · 4.625%
HK$55,245
+HK$3,168/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,154/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,516
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,978
−HK$1,484/mo
Today · 4.125%
HK$57,462
baseline
▲ 0.50% · 4.625%
HK$60,490
+HK$3,028/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,924/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,805
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,634
−HK$1,858/mo
Today · 4.125%
HK$62,492
baseline
▲ 0.50% · 4.625%
HK$66,295
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$124,984/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,419
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,174
−HK$1,780/mo
Today · 4.125%
HK$68,954
baseline
▲ 0.50% · 4.625%
HK$72,589
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$137,908/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,605
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,739
−HK$2,168/mo
Today · 4.125%
HK$72,907
baseline
▲ 0.50% · 4.625%
HK$77,344
+HK$4,437/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,814/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,323
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,370
−HK$2,076/mo
Today · 4.125%
HK$80,446
baseline
▲ 0.50% · 4.625%
HK$84,687
+HK$4,241/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,892/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,207
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,951
−HK$2,787/mo
Today · 4.125%
HK$93,738
baseline
▲ 0.50% · 4.625%
HK$99,442
+HK$5,704/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,476/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,129
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,761
−HK$2,670/mo
Today · 4.125%
HK$103,431
baseline
▲ 0.50% · 4.625%
HK$108,883
+HK$5,452/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,862/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,047 · Scale 2, in force from 26 Feb 2026)