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$49,039
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,564
−HK$1,550/mo
Today · 4.125%
HK$52,114
baseline
▲ 0.50% · 4.625%
HK$55,285
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,228/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,555
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,485/mo
Today · 4.125%
HK$57,503
baseline
▲ 0.50% · 4.625%
HK$60,534
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,006/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,847
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,677
−HK$1,860/mo
Today · 4.125%
HK$62,537
baseline
▲ 0.50% · 4.625%
HK$66,342
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,074/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,466
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,222
−HK$1,781/mo
Today · 4.125%
HK$69,003
baseline
▲ 0.50% · 4.625%
HK$72,641
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,006/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,655
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,790
−HK$2,170/mo
Today · 4.125%
HK$72,960
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,920/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,377
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,426
−HK$2,078/mo
Today · 4.125%
HK$80,504
baseline
▲ 0.50% · 4.625%
HK$84,747
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$161,008/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,270
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,016
−HK$2,789/mo
Today · 4.125%
HK$93,805
baseline
▲ 0.50% · 4.625%
HK$99,513
+HK$5,708/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,610/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,200
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,833
−HK$2,672/mo
Today · 4.125%
HK$103,505
baseline
▲ 0.50% · 4.625%
HK$108,961
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,010/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,590 · Scale 2, in force from 26 Feb 2026)