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$46,761
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,216
−HK$1,478/mo
Today · 4.125%
HK$49,694
baseline
▲ 0.50% · 4.625%
HK$52,717
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,388/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,021
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,417
−HK$1,415/mo
Today · 4.125%
HK$54,832
baseline
▲ 0.50% · 4.625%
HK$57,722
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,664/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,114
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,859
−HK$1,773/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$63,261
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,426
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,100
−HK$1,698/mo
Today · 4.125%
HK$65,798
baseline
▲ 0.50% · 4.625%
HK$69,267
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,596/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,466
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,502
−HK$2,069/mo
Today · 4.125%
HK$69,571
baseline
▲ 0.50% · 4.625%
HK$73,804
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,142/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,830
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,783
−HK$1,982/mo
Today · 4.125%
HK$76,765
baseline
▲ 0.50% · 4.625%
HK$80,811
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,530/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,170
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,789
−HK$2,660/mo
Today · 4.125%
HK$89,449
baseline
▲ 0.50% · 4.625%
HK$94,891
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,898/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,639
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,150
−HK$2,548/mo
Today · 4.125%
HK$98,698
baseline
▲ 0.50% · 4.625%
HK$103,900
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,396/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,704 · Scale 2, in force from 26 Feb 2026)