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$46,751
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,477/mo
Today · 4.125%
HK$49,682
baseline
▲ 0.50% · 4.625%
HK$52,705
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,364/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,404
−HK$1,415/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$57,709
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,101
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,846
−HK$1,773/mo
Today · 4.125%
HK$59,619
baseline
▲ 0.50% · 4.625%
HK$63,246
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,238/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,411
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,085
−HK$1,698/mo
Today · 4.125%
HK$65,783
baseline
▲ 0.50% · 4.625%
HK$69,251
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,566/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,451
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,487
−HK$2,068/mo
Today · 4.125%
HK$69,555
baseline
▲ 0.50% · 4.625%
HK$73,787
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,110/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,813
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,766
−HK$1,981/mo
Today · 4.125%
HK$76,747
baseline
▲ 0.50% · 4.625%
HK$80,793
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,494/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,769
−HK$2,659/mo
Today · 4.125%
HK$89,428
baseline
▲ 0.50% · 4.625%
HK$94,870
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,856/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,617
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,128
−HK$2,547/mo
Today · 4.125%
HK$98,675
baseline
▲ 0.50% · 4.625%
HK$103,876
+HK$5,201/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,350/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,234 · Scale 2, in force from 26 Feb 2026)