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$49,044
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,570
−HK$1,550/mo
Today · 4.125%
HK$52,120
baseline
▲ 0.50% · 4.625%
HK$55,291
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,240/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,561
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,485/mo
Today · 4.125%
HK$57,509
baseline
▲ 0.50% · 4.625%
HK$60,540
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,018/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,853
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,683
−HK$1,860/mo
Today · 4.125%
HK$62,543
baseline
▲ 0.50% · 4.625%
HK$66,349
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,086/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,473
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,229
−HK$1,781/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$72,648
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,662
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,797
−HK$2,170/mo
Today · 4.125%
HK$72,967
baseline
▲ 0.50% · 4.625%
HK$77,407
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,934/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,385
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,434
−HK$2,078/mo
Today · 4.125%
HK$80,512
baseline
▲ 0.50% · 4.625%
HK$84,756
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,024/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,279
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,025
−HK$2,790/mo
Today · 4.125%
HK$93,815
baseline
▲ 0.50% · 4.625%
HK$99,524
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,630/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,210
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,844
−HK$2,672/mo
Today · 4.125%
HK$103,516
baseline
▲ 0.50% · 4.625%
HK$108,972
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,032/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,812 · Scale 2, in force from 26 Feb 2026)