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$47,871
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,360
−HK$1,513/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,968
+HK$3,095/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,256
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,449/mo
Today · 4.125%
HK$56,133
baseline
▲ 0.50% · 4.625%
HK$59,092
+HK$2,959/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,266/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,445
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,815/mo
Today · 4.125%
HK$61,047
baseline
▲ 0.50% · 4.625%
HK$64,762
+HK$3,715/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,094/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,907
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,621
−HK$1,738/mo
Today · 4.125%
HK$67,359
baseline
▲ 0.50% · 4.625%
HK$70,910
+HK$3,551/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,718/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,019
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,104
−HK$2,118/mo
Today · 4.125%
HK$71,222
baseline
▲ 0.50% · 4.625%
HK$75,555
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,444/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,558
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,557
−HK$2,029/mo
Today · 4.125%
HK$78,586
baseline
▲ 0.50% · 4.625%
HK$82,728
+HK$4,142/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,172/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,167
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,847
−HK$2,724/mo
Today · 4.125%
HK$91,571
baseline
▲ 0.50% · 4.625%
HK$97,142
+HK$5,571/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,142/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,860
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,431
−HK$2,608/mo
Today · 4.125%
HK$101,039
baseline
▲ 0.50% · 4.625%
HK$106,365
+HK$5,326/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,078/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,354 · Scale 2, in force from 26 Feb 2026)