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$46,756
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,211
−HK$1,478/mo
Today · 4.125%
HK$49,689
baseline
▲ 0.50% · 4.625%
HK$52,712
+HK$3,023/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,378/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,016
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,411
−HK$1,415/mo
Today · 4.125%
HK$54,826
baseline
▲ 0.50% · 4.625%
HK$57,716
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,652/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,108
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,853
−HK$1,773/mo
Today · 4.125%
HK$59,626
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,628/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,252/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,419
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,093
−HK$1,699/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,468/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,495
−HK$2,069/mo
Today · 4.125%
HK$69,564
baseline
▲ 0.50% · 4.625%
HK$73,797
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,128/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,823
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,776
−HK$1,981/mo
Today · 4.125%
HK$76,757
baseline
▲ 0.50% · 4.625%
HK$80,803
+HK$4,046/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,514/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,162
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,780
−HK$2,659/mo
Today · 4.125%
HK$89,439
baseline
▲ 0.50% · 4.625%
HK$94,881
+HK$5,442/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,878/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,629
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,140
−HK$2,547/mo
Today · 4.125%
HK$98,687
baseline
▲ 0.50% · 4.625%
HK$103,889
+HK$5,202/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,374/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,492 · Scale 2, in force from 26 Feb 2026)