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$51,325
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,922
−HK$1,622/mo
Today · 4.125%
HK$54,544
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$3,319/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,088/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,099
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,554/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,356
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,590
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,506
−HK$1,947/mo
Today · 4.125%
HK$65,453
baseline
▲ 0.50% · 4.625%
HK$69,435
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,906/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,519
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,356
−HK$1,865/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,027
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,856
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,091
−HK$2,270/mo
Today · 4.125%
HK$76,361
baseline
▲ 0.50% · 4.625%
HK$81,008
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,722/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,939
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,082
−HK$2,175/mo
Today · 4.125%
HK$84,257
baseline
▲ 0.50% · 4.625%
HK$88,699
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,514/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,386
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,259
−HK$2,920/mo
Today · 4.125%
HK$98,179
baseline
▲ 0.50% · 4.625%
HK$104,153
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,358/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,778
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,535
−HK$2,796/mo
Today · 4.125%
HK$108,331
baseline
▲ 0.50% · 4.625%
HK$114,041
+HK$5,710/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,662/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,616 · Scale 2, in force from 26 Feb 2026)