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$51,328
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,924
−HK$1,622/mo
Today · 4.125%
HK$54,546
baseline
▲ 0.50% · 4.625%
HK$57,865
+HK$3,319/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,092/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,633
−HK$1,554/mo
Today · 4.125%
HK$60,187
baseline
▲ 0.50% · 4.625%
HK$63,359
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,374/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,593
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,509
−HK$1,947/mo
Today · 4.125%
HK$65,456
baseline
▲ 0.50% · 4.625%
HK$69,439
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,912/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,522
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,360
−HK$1,864/mo
Today · 4.125%
HK$72,224
baseline
▲ 0.50% · 4.625%
HK$76,031
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,448/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,859
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,094
−HK$2,271/mo
Today · 4.125%
HK$76,365
baseline
▲ 0.50% · 4.625%
HK$81,012
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,730/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,942
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,086
−HK$2,175/mo
Today · 4.125%
HK$84,261
baseline
▲ 0.50% · 4.625%
HK$88,703
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,522/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,390
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,920/mo
Today · 4.125%
HK$98,184
baseline
▲ 0.50% · 4.625%
HK$104,158
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,368/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,783
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,539
−HK$2,797/mo
Today · 4.125%
HK$108,336
baseline
▲ 0.50% · 4.625%
HK$114,046
+HK$5,710/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,672/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,660 · Scale 2, in force from 26 Feb 2026)