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$51,301
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,897
−HK$1,621/mo
Today · 4.125%
HK$54,518
baseline
▲ 0.50% · 4.625%
HK$57,836
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,036/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,072
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,603
−HK$1,553/mo
Today · 4.125%
HK$60,156
baseline
▲ 0.50% · 4.625%
HK$63,327
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,312/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,562
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,476
−HK$1,946/mo
Today · 4.125%
HK$65,422
baseline
▲ 0.50% · 4.625%
HK$69,403
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,844/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,487
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,323
−HK$1,864/mo
Today · 4.125%
HK$72,187
baseline
▲ 0.50% · 4.625%
HK$75,992
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,374/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,822
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,056
−HK$2,270/mo
Today · 4.125%
HK$76,326
baseline
▲ 0.50% · 4.625%
HK$80,970
+HK$4,644/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,652/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,901
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,044
−HK$2,174/mo
Today · 4.125%
HK$84,218
baseline
▲ 0.50% · 4.625%
HK$88,657
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,436/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,342
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,215
−HK$2,918/mo
Today · 4.125%
HK$98,133
baseline
▲ 0.50% · 4.625%
HK$104,104
+HK$5,971/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,266/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,730
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,485
−HK$2,795/mo
Today · 4.125%
HK$108,280
baseline
▲ 0.50% · 4.625%
HK$113,988
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,560/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,167 · Scale 2, in force from 26 Feb 2026)