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$49,030
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,556
−HK$1,549/mo
Today · 4.125%
HK$52,105
baseline
▲ 0.50% · 4.625%
HK$55,276
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,210/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,546
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,009
−HK$1,484/mo
Today · 4.125%
HK$57,493
baseline
▲ 0.50% · 4.625%
HK$60,523
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,986/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,836
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,667
−HK$1,859/mo
Today · 4.125%
HK$62,526
baseline
▲ 0.50% · 4.625%
HK$66,331
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,052/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,455
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,210
−HK$1,781/mo
Today · 4.125%
HK$68,991
baseline
▲ 0.50% · 4.625%
HK$72,628
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,982/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,643
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,778
−HK$2,169/mo
Today · 4.125%
HK$72,947
baseline
▲ 0.50% · 4.625%
HK$77,386
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,894/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,364
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,412
−HK$2,078/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$84,733
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,980/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,255
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$91,000
−HK$2,789/mo
Today · 4.125%
HK$93,789
baseline
▲ 0.50% · 4.625%
HK$99,496
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,578/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,183
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,816
−HK$2,671/mo
Today · 4.125%
HK$103,487
baseline
▲ 0.50% · 4.625%
HK$108,942
+HK$5,455/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,974/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,215 · Scale 2, in force from 26 Feb 2026)