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$51,311
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,907
−HK$1,621/mo
Today · 4.125%
HK$54,528
baseline
▲ 0.50% · 4.625%
HK$57,846
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,056/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,082
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,613
−HK$1,553/mo
Today · 4.125%
HK$60,166
baseline
▲ 0.50% · 4.625%
HK$63,338
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,332/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,488
−HK$1,946/mo
Today · 4.125%
HK$65,434
baseline
▲ 0.50% · 4.625%
HK$69,415
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,868/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,499
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,336
−HK$1,864/mo
Today · 4.125%
HK$72,200
baseline
▲ 0.50% · 4.625%
HK$76,005
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,400/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,835
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,069
−HK$2,270/mo
Today · 4.125%
HK$76,339
baseline
▲ 0.50% · 4.625%
HK$80,984
+HK$4,645/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,678/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,915
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,059
−HK$2,174/mo
Today · 4.125%
HK$84,233
baseline
▲ 0.50% · 4.625%
HK$88,673
+HK$4,440/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,466/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,359
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,232
−HK$2,919/mo
Today · 4.125%
HK$98,151
baseline
▲ 0.50% · 4.625%
HK$104,123
+HK$5,972/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,302/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,748
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,504
−HK$2,796/mo
Today · 4.125%
HK$108,300
baseline
▲ 0.50% · 4.625%
HK$114,008
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,600/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,339 · Scale 2, in force from 26 Feb 2026)