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$47,867
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,356
−HK$1,512/mo
Today · 4.125%
HK$50,868
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$3,096/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,736/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,251
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,679
−HK$1,449/mo
Today · 4.125%
HK$56,128
baseline
▲ 0.50% · 4.625%
HK$59,087
+HK$2,959/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,256/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,440
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,227
−HK$1,815/mo
Today · 4.125%
HK$61,042
baseline
▲ 0.50% · 4.625%
HK$64,756
+HK$3,714/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,084/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,901
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$65,615
−HK$1,739/mo
Today · 4.125%
HK$67,354
baseline
▲ 0.50% · 4.625%
HK$70,904
+HK$3,550/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,708/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,013
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,098
−HK$2,118/mo
Today · 4.125%
HK$71,216
baseline
▲ 0.50% · 4.625%
HK$75,549
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,432/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,552
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,551
−HK$2,029/mo
Today · 4.125%
HK$78,580
baseline
▲ 0.50% · 4.625%
HK$82,722
+HK$4,142/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,160/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,160
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,840
−HK$2,723/mo
Today · 4.125%
HK$91,563
baseline
▲ 0.50% · 4.625%
HK$97,134
+HK$5,571/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,126/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,852
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,423
−HK$2,608/mo
Today · 4.125%
HK$101,031
baseline
▲ 0.50% · 4.625%
HK$106,356
+HK$5,325/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,062/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$849,182 · Scale 2, in force from 26 Feb 2026)