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$46,756
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,478/mo
Today · 4.125%
HK$49,688
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,376/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,015
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,410
−HK$1,415/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,107
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,852
−HK$1,773/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$63,253
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,418
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,092
−HK$1,699/mo
Today · 4.125%
HK$65,791
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,582/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,458
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,494
−HK$2,069/mo
Today · 4.125%
HK$69,563
baseline
▲ 0.50% · 4.625%
HK$73,796
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,126/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,821
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,774
−HK$1,982/mo
Today · 4.125%
HK$76,756
baseline
▲ 0.50% · 4.625%
HK$80,802
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,512/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,160
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,778
−HK$2,660/mo
Today · 4.125%
HK$89,438
baseline
▲ 0.50% · 4.625%
HK$94,880
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,876/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,627
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,139
−HK$2,547/mo
Today · 4.125%
HK$98,686
baseline
▲ 0.50% · 4.625%
HK$103,888
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,372/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,459 · Scale 2, in force from 26 Feb 2026)