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$46,723
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,177
−HK$1,476/mo
Today · 4.125%
HK$49,653
baseline
▲ 0.50% · 4.625%
HK$52,675
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,306/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,979
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,373
−HK$1,415/mo
Today · 4.125%
HK$54,788
baseline
▲ 0.50% · 4.625%
HK$57,676
+HK$2,888/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,576/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,812
−HK$1,772/mo
Today · 4.125%
HK$59,584
baseline
▲ 0.50% · 4.625%
HK$63,210
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$119,168/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,375
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,048
−HK$1,697/mo
Today · 4.125%
HK$65,745
baseline
▲ 0.50% · 4.625%
HK$69,211
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$131,490/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,413
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,448
−HK$2,067/mo
Today · 4.125%
HK$69,515
baseline
▲ 0.50% · 4.625%
HK$73,745
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,030/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,771
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,723
−HK$1,980/mo
Today · 4.125%
HK$76,703
baseline
▲ 0.50% · 4.625%
HK$80,746
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,406/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,102
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,718
−HK$2,658/mo
Today · 4.125%
HK$89,376
baseline
▲ 0.50% · 4.625%
HK$94,814
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,752/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,563
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,072
−HK$2,546/mo
Today · 4.125%
HK$98,618
baseline
▲ 0.50% · 4.625%
HK$103,816
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,236/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,044 · Scale 2, in force from 26 Feb 2026)