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$49,024
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,549
−HK$1,549/mo
Today · 4.125%
HK$52,098
baseline
▲ 0.50% · 4.625%
HK$55,268
+HK$3,170/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$104,196/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,001
−HK$1,484/mo
Today · 4.125%
HK$57,485
baseline
▲ 0.50% · 4.625%
HK$60,515
+HK$3,030/mo
Deposit HK$10.75M · loan HK$10.75M · min. income ≈ HK$114,970/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,828
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,859/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$66,321
+HK$3,804/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,446
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$1,781/mo
Today · 4.125%
HK$68,982
baseline
▲ 0.50% · 4.625%
HK$72,618
+HK$3,636/mo
Deposit HK$8.60M · loan HK$12.90M · min. income ≈ HK$137,964/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,633
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$2,169/mo
Today · 4.125%
HK$72,937
baseline
▲ 0.50% · 4.625%
HK$77,375
+HK$4,438/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$145,874/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,354
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,401
−HK$2,078/mo
Today · 4.125%
HK$80,479
baseline
▲ 0.50% · 4.625%
HK$84,721
+HK$4,242/mo
Deposit HK$6.45M · loan HK$15.05M · min. income ≈ HK$160,958/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,243
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,987
−HK$2,789/mo
Today · 4.125%
HK$93,776
baseline
▲ 0.50% · 4.625%
HK$99,482
+HK$5,706/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$187,552/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,169
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,802
−HK$2,671/mo
Today · 4.125%
HK$103,473
baseline
▲ 0.50% · 4.625%
HK$108,927
+HK$5,454/mo
Deposit HK$2.15M · loan HK$19.35M · min. income ≈ HK$206,946/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$899,917 · Scale 2, in force from 26 Feb 2026)