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$3,073/mo
▼ 0.25% · 3.875%
HK$50,533
−HK$1,549/mo
Today · 4.125%
HK$52,082
baseline
▲ 0.50% · 4.625%
HK$55,251
+HK$3,169/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,164/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,522
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,984
−HK$1,483/mo
Today · 4.125%
HK$57,467
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,934/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,810
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,640
−HK$1,858/mo
Today · 4.125%
HK$62,498
baseline
▲ 0.50% · 4.625%
HK$66,301
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$124,996/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,426
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,181
−HK$1,780/mo
Today · 4.125%
HK$68,961
baseline
▲ 0.50% · 4.625%
HK$72,596
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,922/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,612
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,746
−HK$2,169/mo
Today · 4.125%
HK$72,915
baseline
▲ 0.50% · 4.625%
HK$77,352
+HK$4,437/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,830/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,330
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,378
−HK$2,076/mo
Today · 4.125%
HK$80,454
baseline
▲ 0.50% · 4.625%
HK$84,695
+HK$4,241/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,908/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,216
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,960
−HK$2,788/mo
Today · 4.125%
HK$93,748
baseline
▲ 0.50% · 4.625%
HK$99,452
+HK$5,704/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,496/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,139
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,771
−HK$2,670/mo
Today · 4.125%
HK$103,441
baseline
▲ 0.50% · 4.625%
HK$108,894
+HK$5,453/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,882/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,264 · Scale 2, in force from 26 Feb 2026)