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$2,931/mo
▼ 0.25% · 3.875%
HK$48,195
−HK$1,477/mo
Today · 4.125%
HK$49,672
baseline
▲ 0.50% · 4.625%
HK$52,694
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,344/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,999
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,393
−HK$1,415/mo
Today · 4.125%
HK$54,808
baseline
▲ 0.50% · 4.625%
HK$57,697
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,616/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,089
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,833
−HK$1,773/mo
Today · 4.125%
HK$59,606
baseline
▲ 0.50% · 4.625%
HK$63,233
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,212/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,398
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,072
−HK$1,697/mo
Today · 4.125%
HK$65,769
baseline
▲ 0.50% · 4.625%
HK$69,236
+HK$3,467/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,538/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,437
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$2,068/mo
Today · 4.125%
HK$69,540
baseline
▲ 0.50% · 4.625%
HK$73,772
+HK$4,232/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,080/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,798
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,750
−HK$1,981/mo
Today · 4.125%
HK$76,731
baseline
▲ 0.50% · 4.625%
HK$80,776
+HK$4,045/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,462/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,133
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,750
−HK$2,659/mo
Today · 4.125%
HK$89,409
baseline
▲ 0.50% · 4.625%
HK$94,849
+HK$5,440/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$178,818/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,597
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,108
−HK$2,546/mo
Today · 4.125%
HK$98,654
baseline
▲ 0.50% · 4.625%
HK$103,854
+HK$5,200/mo
Deposit HK$2.05M · loan HK$18.45M · min. income ≈ HK$197,308/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,799 · Scale 2, in force from 26 Feb 2026)