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$47,904
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,394
−HK$1,514/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$54,006
+HK$3,098/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,293
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,450/mo
Today · 4.125%
HK$56,172
baseline
▲ 0.50% · 4.625%
HK$59,133
+HK$2,961/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,344/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,485
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,273
−HK$1,817/mo
Today · 4.125%
HK$61,090
baseline
▲ 0.50% · 4.625%
HK$64,807
+HK$3,717/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,180/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$1,740/mo
Today · 4.125%
HK$67,407
baseline
▲ 0.50% · 4.625%
HK$70,960
+HK$3,553/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,814/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,066
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,152
−HK$2,120/mo
Today · 4.125%
HK$71,272
baseline
▲ 0.50% · 4.625%
HK$75,608
+HK$4,336/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,544/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,610
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,611
−HK$2,030/mo
Today · 4.125%
HK$78,641
baseline
▲ 0.50% · 4.625%
HK$82,787
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,282/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,228
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,910
−HK$2,725/mo
Today · 4.125%
HK$91,635
baseline
▲ 0.50% · 4.625%
HK$97,211
+HK$5,576/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,270/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,928
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,500
−HK$2,610/mo
Today · 4.125%
HK$101,110
baseline
▲ 0.50% · 4.625%
HK$106,440
+HK$5,330/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,220/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,833 · Scale 2, in force from 26 Feb 2026)