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$51,285
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,881
−HK$1,620/mo
Today · 4.125%
HK$54,501
baseline
▲ 0.50% · 4.625%
HK$57,818
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,002/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,054
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,585
−HK$1,552/mo
Today · 4.125%
HK$60,137
baseline
▲ 0.50% · 4.625%
HK$63,307
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,274/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,542
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,457
−HK$1,945/mo
Today · 4.125%
HK$65,402
baseline
▲ 0.50% · 4.625%
HK$69,381
+HK$3,979/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,804/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,465
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,302
−HK$1,862/mo
Today · 4.125%
HK$72,164
baseline
▲ 0.50% · 4.625%
HK$75,968
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,328/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,800
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,033
−HK$2,269/mo
Today · 4.125%
HK$76,302
baseline
▲ 0.50% · 4.625%
HK$80,945
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,604/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,876
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,018
−HK$2,174/mo
Today · 4.125%
HK$84,192
baseline
▲ 0.50% · 4.625%
HK$88,630
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,384/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,314
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,185
−HK$2,918/mo
Today · 4.125%
HK$98,103
baseline
▲ 0.50% · 4.625%
HK$104,072
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,206/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,698
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,452
−HK$2,794/mo
Today · 4.125%
HK$108,246
baseline
▲ 0.50% · 4.625%
HK$113,952
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,492/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,870 · Scale 2, in force from 26 Feb 2026)