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$46,735
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,189
−HK$1,477/mo
Today · 4.125%
HK$49,666
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,332/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,992
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,415/mo
Today · 4.125%
HK$54,801
baseline
▲ 0.50% · 4.625%
HK$57,690
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,602/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,082
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,773/mo
Today · 4.125%
HK$59,599
baseline
▲ 0.50% · 4.625%
HK$63,225
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,198/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,390
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,064
−HK$1,697/mo
Today · 4.125%
HK$65,761
baseline
▲ 0.50% · 4.625%
HK$69,228
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,522/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,429
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,464
−HK$2,068/mo
Today · 4.125%
HK$69,532
baseline
▲ 0.50% · 4.625%
HK$73,763
+HK$4,231/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,064/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,789
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,741
−HK$1,980/mo
Today · 4.125%
HK$76,721
baseline
▲ 0.50% · 4.625%
HK$80,766
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,442/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,123
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,739
−HK$2,659/mo
Today · 4.125%
HK$89,398
baseline
▲ 0.50% · 4.625%
HK$94,838
+HK$5,440/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,796/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,586
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,096
−HK$2,546/mo
Today · 4.125%
HK$98,642
baseline
▲ 0.50% · 4.625%
HK$103,841
+HK$5,199/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,284/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,544 · Scale 2, in force from 26 Feb 2026)