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$46,768
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,223
−HK$1,478/mo
Today · 4.125%
HK$49,701
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$3,024/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,402/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,029
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,424
−HK$1,416/mo
Today · 4.125%
HK$54,840
baseline
▲ 0.50% · 4.625%
HK$57,731
+HK$2,891/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,680/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,122
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,774/mo
Today · 4.125%
HK$59,641
baseline
▲ 0.50% · 4.625%
HK$63,270
+HK$3,629/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$119,282/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,435
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,109
−HK$1,699/mo
Today · 4.125%
HK$65,808
baseline
▲ 0.50% · 4.625%
HK$69,277
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$131,616/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,475
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,512
−HK$2,069/mo
Today · 4.125%
HK$69,581
baseline
▲ 0.50% · 4.625%
HK$73,815
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,162/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,840
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,794
−HK$1,982/mo
Today · 4.125%
HK$76,776
baseline
▲ 0.50% · 4.625%
HK$80,823
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,552/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,182
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,801
−HK$2,660/mo
Today · 4.125%
HK$89,461
baseline
▲ 0.50% · 4.625%
HK$94,905
+HK$5,444/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,922/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,652
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,164
−HK$2,548/mo
Today · 4.125%
HK$98,712
baseline
▲ 0.50% · 4.625%
HK$103,915
+HK$5,203/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,424/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$800,996 · Scale 2, in force from 26 Feb 2026)