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$49,039
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,564
−HK$1,550/mo
Today · 4.125%
HK$52,114
baseline
▲ 0.50% · 4.625%
HK$55,285
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,228/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,555
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,484/mo
Today · 4.125%
HK$57,502
baseline
▲ 0.50% · 4.625%
HK$60,533
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,004/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,846
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,677
−HK$1,859/mo
Today · 4.125%
HK$62,536
baseline
▲ 0.50% · 4.625%
HK$66,342
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,072/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,466
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,222
−HK$1,781/mo
Today · 4.125%
HK$69,003
baseline
▲ 0.50% · 4.625%
HK$72,640
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,006/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,654
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,789
−HK$2,170/mo
Today · 4.125%
HK$72,959
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,918/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,377
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,425
−HK$2,078/mo
Today · 4.125%
HK$80,503
baseline
▲ 0.50% · 4.625%
HK$84,747
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$161,006/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,269
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,015
−HK$2,790/mo
Today · 4.125%
HK$93,805
baseline
▲ 0.50% · 4.625%
HK$99,512
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,610/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,199
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,832
−HK$2,672/mo
Today · 4.125%
HK$103,504
baseline
▲ 0.50% · 4.625%
HK$108,960
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,008/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,570 · Scale 2, in force from 26 Feb 2026)