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$46,767
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,478/mo
Today · 4.125%
HK$49,699
baseline
▲ 0.50% · 4.625%
HK$52,724
+HK$3,025/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,398/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,028
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,423
−HK$1,415/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$57,729
+HK$2,891/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,120
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,866
−HK$1,773/mo
Today · 4.125%
HK$59,639
baseline
▲ 0.50% · 4.625%
HK$63,268
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$119,278/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,433
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,107
−HK$1,699/mo
Today · 4.125%
HK$65,806
baseline
▲ 0.50% · 4.625%
HK$69,275
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$131,612/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,473
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,510
−HK$2,069/mo
Today · 4.125%
HK$69,579
baseline
▲ 0.50% · 4.625%
HK$73,813
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,158/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,839
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,792
−HK$1,982/mo
Today · 4.125%
HK$76,774
baseline
▲ 0.50% · 4.625%
HK$80,821
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,548/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,180
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,799
−HK$2,660/mo
Today · 4.125%
HK$89,459
baseline
▲ 0.50% · 4.625%
HK$94,902
+HK$5,443/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,918/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,650
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,161
−HK$2,548/mo
Today · 4.125%
HK$98,709
baseline
▲ 0.50% · 4.625%
HK$103,912
+HK$5,203/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,418/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,943 · Scale 2, in force from 26 Feb 2026)