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$49,044
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,569
−HK$1,550/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$55,290
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,560
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,484/mo
Today · 4.125%
HK$57,508
baseline
▲ 0.50% · 4.625%
HK$60,539
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$115,016/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,683
−HK$1,860/mo
Today · 4.125%
HK$62,543
baseline
▲ 0.50% · 4.625%
HK$66,348
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,086/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,472
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,228
−HK$1,782/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$72,647
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,661
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,797
−HK$2,170/mo
Today · 4.125%
HK$72,967
baseline
▲ 0.50% · 4.625%
HK$77,406
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,934/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,385
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,433
−HK$2,078/mo
Today · 4.125%
HK$80,511
baseline
▲ 0.50% · 4.625%
HK$84,755
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,022/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,278
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,024
−HK$2,790/mo
Today · 4.125%
HK$93,814
baseline
▲ 0.50% · 4.625%
HK$99,523
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,628/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,209
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,843
−HK$2,672/mo
Today · 4.125%
HK$103,515
baseline
▲ 0.50% · 4.625%
HK$108,971
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,030/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,789 · Scale 2, in force from 26 Feb 2026)