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$49,021
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,545
−HK$1,550/mo
Today · 4.125%
HK$52,095
baseline
▲ 0.50% · 4.625%
HK$55,264
+HK$3,169/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,190/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,535
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,997
−HK$1,484/mo
Today · 4.125%
HK$57,481
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,962/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,825
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,654
−HK$1,859/mo
Today · 4.125%
HK$62,513
baseline
▲ 0.50% · 4.625%
HK$66,317
+HK$3,804/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$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,442
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,197
−HK$1,780/mo
Today · 4.125%
HK$68,977
baseline
▲ 0.50% · 4.625%
HK$72,613
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,954/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,629
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,763
−HK$2,169/mo
Today · 4.125%
HK$72,932
baseline
▲ 0.50% · 4.625%
HK$77,370
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,864/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,349
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,396
−HK$2,078/mo
Today · 4.125%
HK$80,474
baseline
▲ 0.50% · 4.625%
HK$84,716
+HK$4,242/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,948/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,237
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,982
−HK$2,788/mo
Today · 4.125%
HK$93,770
baseline
▲ 0.50% · 4.625%
HK$99,476
+HK$5,706/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,540/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,163
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,795
−HK$2,671/mo
Today · 4.125%
HK$103,466
baseline
▲ 0.50% · 4.625%
HK$108,920
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,932/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,782 · Scale 2, in force from 26 Feb 2026)