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$49,036
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,561
−HK$1,550/mo
Today · 4.125%
HK$52,111
baseline
▲ 0.50% · 4.625%
HK$55,282
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,222/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,552
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,015
−HK$1,484/mo
Today · 4.125%
HK$57,499
baseline
▲ 0.50% · 4.625%
HK$60,530
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,998/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,843
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,673
−HK$1,860/mo
Today · 4.125%
HK$62,533
baseline
▲ 0.50% · 4.625%
HK$66,338
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,066/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,462
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,218
−HK$1,781/mo
Today · 4.125%
HK$68,999
baseline
▲ 0.50% · 4.625%
HK$72,636
+HK$3,637/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,998/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,650
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,785
−HK$2,170/mo
Today · 4.125%
HK$72,955
baseline
▲ 0.50% · 4.625%
HK$77,394
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,910/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,372
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,421
−HK$2,078/mo
Today · 4.125%
HK$80,499
baseline
▲ 0.50% · 4.625%
HK$84,742
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,998/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,264
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,010
−HK$2,789/mo
Today · 4.125%
HK$93,799
baseline
▲ 0.50% · 4.625%
HK$99,507
+HK$5,708/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,598/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,193
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,827
−HK$2,671/mo
Today · 4.125%
HK$103,498
baseline
▲ 0.50% · 4.625%
HK$108,954
+HK$5,456/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,996/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,448 · Scale 2, in force from 26 Feb 2026)