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$49,023
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,548
−HK$1,549/mo
Today · 4.125%
HK$52,097
baseline
▲ 0.50% · 4.625%
HK$55,268
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,194/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,001
−HK$1,483/mo
Today · 4.125%
HK$57,484
baseline
▲ 0.50% · 4.625%
HK$60,515
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,968/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,828
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,859/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$66,321
+HK$3,804/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,446
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$1,780/mo
Today · 4.125%
HK$68,981
baseline
▲ 0.50% · 4.625%
HK$72,617
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,962/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,633
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,767
−HK$2,169/mo
Today · 4.125%
HK$72,936
baseline
▲ 0.50% · 4.625%
HK$77,375
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,872/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,353
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,401
−HK$2,077/mo
Today · 4.125%
HK$80,478
baseline
▲ 0.50% · 4.625%
HK$84,720
+HK$4,242/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,956/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,242
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,987
−HK$2,788/mo
Today · 4.125%
HK$93,775
baseline
▲ 0.50% · 4.625%
HK$99,482
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,550/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,168
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,801
−HK$2,671/mo
Today · 4.125%
HK$103,472
baseline
▲ 0.50% · 4.625%
HK$108,926
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,944/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,903 · Scale 2, in force from 26 Feb 2026)