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$49,009
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,549/mo
Today · 4.125%
HK$52,083
baseline
▲ 0.50% · 4.625%
HK$55,252
+HK$3,169/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,166/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,523
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,985
−HK$1,483/mo
Today · 4.125%
HK$57,468
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,029/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,936/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,811
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,641
−HK$1,858/mo
Today · 4.125%
HK$62,499
baseline
▲ 0.50% · 4.625%
HK$66,302
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$124,998/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,427
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,182
−HK$1,780/mo
Today · 4.125%
HK$68,962
baseline
▲ 0.50% · 4.625%
HK$72,597
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,924/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,613
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,747
−HK$2,169/mo
Today · 4.125%
HK$72,916
baseline
▲ 0.50% · 4.625%
HK$77,353
+HK$4,437/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,832/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,332
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,379
−HK$2,076/mo
Today · 4.125%
HK$80,455
baseline
▲ 0.50% · 4.625%
HK$84,696
+HK$4,241/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,910/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,217
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,961
−HK$2,788/mo
Today · 4.125%
HK$93,749
baseline
▲ 0.50% · 4.625%
HK$99,453
+HK$5,704/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,498/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,141
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,773
−HK$2,670/mo
Today · 4.125%
HK$103,443
baseline
▲ 0.50% · 4.625%
HK$108,895
+HK$5,452/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,886/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,296 · Scale 2, in force from 26 Feb 2026)