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$49,032
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,557
−HK$1,550/mo
Today · 4.125%
HK$52,107
baseline
▲ 0.50% · 4.625%
HK$55,277
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,214/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,010
−HK$1,484/mo
Today · 4.125%
HK$57,494
baseline
▲ 0.50% · 4.625%
HK$60,525
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,988/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,838
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,668
−HK$1,860/mo
Today · 4.125%
HK$62,528
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,804/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,056/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,457
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$1,781/mo
Today · 4.125%
HK$68,993
baseline
▲ 0.50% · 4.625%
HK$72,630
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,986/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,780
−HK$2,169/mo
Today · 4.125%
HK$72,949
baseline
▲ 0.50% · 4.625%
HK$77,388
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,898/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,366
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,414
−HK$2,078/mo
Today · 4.125%
HK$80,492
baseline
▲ 0.50% · 4.625%
HK$84,735
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,984/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,257
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,003
−HK$2,789/mo
Today · 4.125%
HK$93,792
baseline
▲ 0.50% · 4.625%
HK$99,499
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,584/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,185
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,819
−HK$2,671/mo
Today · 4.125%
HK$103,490
baseline
▲ 0.50% · 4.625%
HK$108,945
+HK$5,455/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,980/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,276 · Scale 2, in force from 26 Feb 2026)