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$49,043
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,569
−HK$1,549/mo
Today · 4.125%
HK$52,118
baseline
▲ 0.50% · 4.625%
HK$55,290
+HK$3,172/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,236/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,560
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,023
−HK$1,485/mo
Today · 4.125%
HK$57,508
baseline
▲ 0.50% · 4.625%
HK$60,539
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,016/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,682
−HK$1,860/mo
Today · 4.125%
HK$62,542
baseline
▲ 0.50% · 4.625%
HK$66,348
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,084/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,472
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,228
−HK$1,781/mo
Today · 4.125%
HK$69,009
baseline
▲ 0.50% · 4.625%
HK$72,647
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,018/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,660
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,796
−HK$2,170/mo
Today · 4.125%
HK$72,966
baseline
▲ 0.50% · 4.625%
HK$77,406
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,932/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,384
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,432
−HK$2,079/mo
Today · 4.125%
HK$80,511
baseline
▲ 0.50% · 4.625%
HK$84,754
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,022/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,277
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,023
−HK$2,790/mo
Today · 4.125%
HK$93,813
baseline
▲ 0.50% · 4.625%
HK$99,522
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,626/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,208
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,842
−HK$2,672/mo
Today · 4.125%
HK$103,514
baseline
▲ 0.50% · 4.625%
HK$108,970
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,028/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,768 · Scale 2, in force from 26 Feb 2026)