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$49,018
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,543
−HK$1,549/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$55,261
+HK$3,169/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,532
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,994
−HK$1,484/mo
Today · 4.125%
HK$57,478
baseline
▲ 0.50% · 4.625%
HK$60,508
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,956/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,821
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,651
−HK$1,859/mo
Today · 4.125%
HK$62,510
baseline
▲ 0.50% · 4.625%
HK$66,314
+HK$3,804/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,020/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,438
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,193
−HK$1,781/mo
Today · 4.125%
HK$68,974
baseline
▲ 0.50% · 4.625%
HK$72,609
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,948/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,625
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,760
−HK$2,168/mo
Today · 4.125%
HK$72,928
baseline
▲ 0.50% · 4.625%
HK$77,366
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,856/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,345
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,392
−HK$2,077/mo
Today · 4.125%
HK$80,469
baseline
▲ 0.50% · 4.625%
HK$84,711
+HK$4,242/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,938/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,232
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,977
−HK$2,788/mo
Today · 4.125%
HK$93,765
baseline
▲ 0.50% · 4.625%
HK$99,470
+HK$5,705/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,530/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,157
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,790
−HK$2,670/mo
Today · 4.125%
HK$103,460
baseline
▲ 0.50% · 4.625%
HK$108,914
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,920/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,663 · Scale 2, in force from 26 Feb 2026)