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$46,730
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,476/mo
Today · 4.125%
HK$49,660
baseline
▲ 0.50% · 4.625%
HK$52,682
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,320/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,987
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,381
−HK$1,414/mo
Today · 4.125%
HK$54,795
baseline
▲ 0.50% · 4.625%
HK$57,684
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,590/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,076
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,820
−HK$1,772/mo
Today · 4.125%
HK$59,592
baseline
▲ 0.50% · 4.625%
HK$63,218
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,184/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,384
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,057
−HK$1,697/mo
Today · 4.125%
HK$65,754
baseline
▲ 0.50% · 4.625%
HK$69,220
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,508/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,422
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,457
−HK$2,067/mo
Today · 4.125%
HK$69,524
baseline
▲ 0.50% · 4.625%
HK$73,755
+HK$4,231/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,048/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,781
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,733
−HK$1,980/mo
Today · 4.125%
HK$76,713
baseline
▲ 0.50% · 4.625%
HK$80,757
+HK$4,044/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,426/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,114
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,730
−HK$2,659/mo
Today · 4.125%
HK$89,389
baseline
▲ 0.50% · 4.625%
HK$94,828
+HK$5,439/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,778/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,576
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,086
−HK$2,546/mo
Today · 4.125%
HK$98,632
baseline
▲ 0.50% · 4.625%
HK$103,831
+HK$5,199/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,264/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,330 · Scale 2, in force from 26 Feb 2026)