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$49,020
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,545
−HK$1,549/mo
Today · 4.125%
HK$52,094
baseline
▲ 0.50% · 4.625%
HK$55,264
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,188/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,534
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,997
−HK$1,483/mo
Today · 4.125%
HK$57,480
baseline
▲ 0.50% · 4.625%
HK$60,510
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,960/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,824
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,654
−HK$1,859/mo
Today · 4.125%
HK$62,513
baseline
▲ 0.50% · 4.625%
HK$66,316
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,026/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,441
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,196
−HK$1,780/mo
Today · 4.125%
HK$68,976
baseline
▲ 0.50% · 4.625%
HK$72,612
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,952/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,628
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,763
−HK$2,168/mo
Today · 4.125%
HK$72,931
baseline
▲ 0.50% · 4.625%
HK$77,369
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,862/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,348
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,395
−HK$2,078/mo
Today · 4.125%
HK$80,473
baseline
▲ 0.50% · 4.625%
HK$84,714
+HK$4,241/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,946/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,236
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,980
−HK$2,789/mo
Today · 4.125%
HK$93,769
baseline
▲ 0.50% · 4.625%
HK$99,475
+HK$5,706/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,538/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,161
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,794
−HK$2,671/mo
Today · 4.125%
HK$103,465
baseline
▲ 0.50% · 4.625%
HK$108,918
+HK$5,453/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,930/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,752 · Scale 2, in force from 26 Feb 2026)