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$46,755
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,478/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,415/mo
Today · 4.125%
HK$54,824
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,648/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,106
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,851
−HK$1,773/mo
Today · 4.125%
HK$59,624
baseline
▲ 0.50% · 4.625%
HK$63,252
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,248/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,417
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,091
−HK$1,698/mo
Today · 4.125%
HK$65,789
baseline
▲ 0.50% · 4.625%
HK$69,257
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,578/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,457
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,493
−HK$2,068/mo
Today · 4.125%
HK$69,561
baseline
▲ 0.50% · 4.625%
HK$73,794
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,122/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,820
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,773
−HK$1,981/mo
Today · 4.125%
HK$76,754
baseline
▲ 0.50% · 4.625%
HK$80,800
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,508/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,158
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,776
−HK$2,660/mo
Today · 4.125%
HK$89,436
baseline
▲ 0.50% · 4.625%
HK$94,878
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,872/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,625
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,136
−HK$2,548/mo
Today · 4.125%
HK$98,684
baseline
▲ 0.50% · 4.625%
HK$103,885
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,368/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,413 · Scale 2, in force from 26 Feb 2026)