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$46,745
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,199
−HK$1,477/mo
Today · 4.125%
HK$49,676
baseline
▲ 0.50% · 4.625%
HK$52,699
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,352/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,003
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,415/mo
Today · 4.125%
HK$54,813
baseline
▲ 0.50% · 4.625%
HK$57,702
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,626/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,094
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,839
−HK$1,773/mo
Today · 4.125%
HK$59,612
baseline
▲ 0.50% · 4.625%
HK$63,239
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,224/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,404
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,078
−HK$1,698/mo
Today · 4.125%
HK$65,776
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,552/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,443
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,479
−HK$2,068/mo
Today · 4.125%
HK$69,547
baseline
▲ 0.50% · 4.625%
HK$73,779
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,094/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,805
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,757
−HK$1,981/mo
Today · 4.125%
HK$76,738
baseline
▲ 0.50% · 4.625%
HK$80,783
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,476/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,141
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,758
−HK$2,659/mo
Today · 4.125%
HK$89,417
baseline
▲ 0.50% · 4.625%
HK$94,858
+HK$5,441/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,834/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,606
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,117
−HK$2,546/mo
Today · 4.125%
HK$98,663
baseline
▲ 0.50% · 4.625%
HK$103,864
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,326/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,991 · Scale 2, in force from 26 Feb 2026)