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$47,888
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,378
−HK$1,513/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,988
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,450/mo
Today · 4.125%
HK$56,154
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,308/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,466
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,254
−HK$1,816/mo
Today · 4.125%
HK$61,070
baseline
▲ 0.50% · 4.625%
HK$64,786
+HK$3,716/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,140/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,930
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,645
−HK$1,739/mo
Today · 4.125%
HK$67,384
baseline
▲ 0.50% · 4.625%
HK$70,936
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,768/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,044
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,129
−HK$2,119/mo
Today · 4.125%
HK$71,248
baseline
▲ 0.50% · 4.625%
HK$75,583
+HK$4,335/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,496/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,585
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,586
−HK$2,029/mo
Today · 4.125%
HK$78,615
baseline
▲ 0.50% · 4.625%
HK$82,759
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,230/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,199
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,880
−HK$2,725/mo
Today · 4.125%
HK$91,605
baseline
▲ 0.50% · 4.625%
HK$97,178
+HK$5,573/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,210/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,896
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,467
−HK$2,610/mo
Today · 4.125%
HK$101,077
baseline
▲ 0.50% · 4.625%
HK$106,404
+HK$5,327/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,154/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,131 · Scale 2, in force from 26 Feb 2026)