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$46,765
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,220
−HK$1,478/mo
Today · 4.125%
HK$49,698
baseline
▲ 0.50% · 4.625%
HK$52,722
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,396/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,026
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,421
−HK$1,416/mo
Today · 4.125%
HK$54,837
baseline
▲ 0.50% · 4.625%
HK$57,727
+HK$2,890/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,674/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,118
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,773/mo
Today · 4.125%
HK$59,637
baseline
▲ 0.50% · 4.625%
HK$63,266
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$119,274/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,431
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,105
−HK$1,699/mo
Today · 4.125%
HK$65,804
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$131,608/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,471
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,508
−HK$2,069/mo
Today · 4.125%
HK$69,577
baseline
▲ 0.50% · 4.625%
HK$73,810
+HK$4,233/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,154/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,836
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,790
−HK$1,981/mo
Today · 4.125%
HK$76,771
baseline
▲ 0.50% · 4.625%
HK$80,818
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,542/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,177
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,796
−HK$2,660/mo
Today · 4.125%
HK$89,456
baseline
▲ 0.50% · 4.625%
HK$94,899
+HK$5,443/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,912/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,646
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,158
−HK$2,548/mo
Today · 4.125%
HK$98,706
baseline
▲ 0.50% · 4.625%
HK$103,909
+HK$5,203/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,412/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,875 · Scale 2, in force from 26 Feb 2026)