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$47,881
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,513/mo
Today · 4.125%
HK$50,884
baseline
▲ 0.50% · 4.625%
HK$53,980
+HK$3,096/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,768/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,268
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,449/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,105
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,458
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$59,245
−HK$1,816/mo
Today · 4.125%
HK$61,061
baseline
▲ 0.50% · 4.625%
HK$64,776
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,122/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,921
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,635
−HK$1,740/mo
Today · 4.125%
HK$67,375
baseline
▲ 0.50% · 4.625%
HK$70,926
+HK$3,551/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,750/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,034
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,119
−HK$2,119/mo
Today · 4.125%
HK$71,238
baseline
▲ 0.50% · 4.625%
HK$75,572
+HK$4,334/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,476/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,575
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,575
−HK$2,029/mo
Today · 4.125%
HK$78,604
baseline
▲ 0.50% · 4.625%
HK$82,747
+HK$4,143/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,208/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,187
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,867
−HK$2,724/mo
Today · 4.125%
HK$91,591
baseline
▲ 0.50% · 4.625%
HK$97,164
+HK$5,573/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,182/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,882
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,453
−HK$2,609/mo
Today · 4.125%
HK$101,062
baseline
▲ 0.50% · 4.625%
HK$106,389
+HK$5,327/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,124/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,825 · Scale 2, in force from 26 Feb 2026)