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$46,741
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,195
−HK$1,478/mo
Today · 4.125%
HK$49,673
baseline
▲ 0.50% · 4.625%
HK$52,695
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,346/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,999
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,394
−HK$1,415/mo
Today · 4.125%
HK$54,809
baseline
▲ 0.50% · 4.625%
HK$57,698
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,618/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,090
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,834
−HK$1,773/mo
Today · 4.125%
HK$59,607
baseline
▲ 0.50% · 4.625%
HK$63,234
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,214/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,399
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,073
−HK$1,698/mo
Today · 4.125%
HK$65,771
baseline
▲ 0.50% · 4.625%
HK$69,237
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,542/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,438
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,474
−HK$2,068/mo
Today · 4.125%
HK$69,542
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$4,231/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,084/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,799
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,752
−HK$1,980/mo
Today · 4.125%
HK$76,732
baseline
▲ 0.50% · 4.625%
HK$80,777
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,464/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,135
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,752
−HK$2,659/mo
Today · 4.125%
HK$89,411
baseline
▲ 0.50% · 4.625%
HK$94,851
+HK$5,440/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,822/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,599
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,109
−HK$2,547/mo
Today · 4.125%
HK$98,656
baseline
▲ 0.50% · 4.625%
HK$103,856
+HK$5,200/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,312/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,835 · Scale 2, in force from 26 Feb 2026)