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$46,728
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,181
−HK$1,477/mo
Today · 4.125%
HK$49,658
baseline
▲ 0.50% · 4.625%
HK$52,679
+HK$3,021/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,316/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,984
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,415/mo
Today · 4.125%
HK$54,793
baseline
▲ 0.50% · 4.625%
HK$57,681
+HK$2,888/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,586/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,073
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,817
−HK$1,772/mo
Today · 4.125%
HK$59,589
baseline
▲ 0.50% · 4.625%
HK$63,215
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,178/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,381
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,054
−HK$1,697/mo
Today · 4.125%
HK$65,751
baseline
▲ 0.50% · 4.625%
HK$69,217
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,502/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,419
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,454
−HK$2,067/mo
Today · 4.125%
HK$69,521
baseline
▲ 0.50% · 4.625%
HK$73,751
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,042/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,778
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,729
−HK$1,981/mo
Today · 4.125%
HK$76,710
baseline
▲ 0.50% · 4.625%
HK$80,753
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,420/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,110
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,726
−HK$2,658/mo
Today · 4.125%
HK$89,384
baseline
▲ 0.50% · 4.625%
HK$94,823
+HK$5,439/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,768/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,571
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,081
−HK$2,546/mo
Today · 4.125%
HK$98,627
baseline
▲ 0.50% · 4.625%
HK$103,825
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,254/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,226 · Scale 2, in force from 26 Feb 2026)