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$49,022
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,547
−HK$1,549/mo
Today · 4.125%
HK$52,096
baseline
▲ 0.50% · 4.625%
HK$55,266
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,192/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,537
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,999
−HK$1,484/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,513
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,827
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,656
−HK$1,860/mo
Today · 4.125%
HK$62,516
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,032/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,444
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$1,781/mo
Today · 4.125%
HK$68,980
baseline
▲ 0.50% · 4.625%
HK$72,616
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,960/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,631
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,766
−HK$2,169/mo
Today · 4.125%
HK$72,935
baseline
▲ 0.50% · 4.625%
HK$77,373
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,870/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,351
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,399
−HK$2,077/mo
Today · 4.125%
HK$80,476
baseline
▲ 0.50% · 4.625%
HK$84,718
+HK$4,242/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,952/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,240
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,985
−HK$2,788/mo
Today · 4.125%
HK$93,773
baseline
▲ 0.50% · 4.625%
HK$99,479
+HK$5,706/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,546/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,166
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,799
−HK$2,671/mo
Today · 4.125%
HK$103,470
baseline
▲ 0.50% · 4.625%
HK$108,924
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,940/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,853 · Scale 2, in force from 26 Feb 2026)