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$49,034
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,550/mo
Today · 4.125%
HK$52,109
baseline
▲ 0.50% · 4.625%
HK$55,280
+HK$3,171/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,218/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,550
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,013
−HK$1,484/mo
Today · 4.125%
HK$57,497
baseline
▲ 0.50% · 4.625%
HK$60,528
+HK$3,031/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,994/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,841
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,671
−HK$1,860/mo
Today · 4.125%
HK$62,531
baseline
▲ 0.50% · 4.625%
HK$66,336
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,062/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,460
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,216
−HK$1,781/mo
Today · 4.125%
HK$68,997
baseline
▲ 0.50% · 4.625%
HK$72,633
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,994/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,648
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,783
−HK$2,170/mo
Today · 4.125%
HK$72,953
baseline
▲ 0.50% · 4.625%
HK$77,392
+HK$4,439/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,906/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,370
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,418
−HK$2,078/mo
Today · 4.125%
HK$80,496
baseline
▲ 0.50% · 4.625%
HK$84,739
+HK$4,243/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,992/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,007
−HK$2,789/mo
Today · 4.125%
HK$93,796
baseline
▲ 0.50% · 4.625%
HK$99,503
+HK$5,707/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,592/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,190
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,823
−HK$2,672/mo
Today · 4.125%
HK$103,495
baseline
▲ 0.50% · 4.625%
HK$108,950
+HK$5,455/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,990/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$900,376 · Scale 2, in force from 26 Feb 2026)