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$51,304
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,621/mo
Today · 4.125%
HK$54,521
baseline
▲ 0.50% · 4.625%
HK$57,839
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,042/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,075
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,553/mo
Today · 4.125%
HK$60,159
baseline
▲ 0.50% · 4.625%
HK$63,330
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,318/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,565
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,480
−HK$1,945/mo
Today · 4.125%
HK$65,425
baseline
▲ 0.50% · 4.625%
HK$69,406
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,850/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,490
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,327
−HK$1,863/mo
Today · 4.125%
HK$72,190
baseline
▲ 0.50% · 4.625%
HK$75,996
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,380/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,825
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,060
−HK$2,269/mo
Today · 4.125%
HK$76,329
baseline
▲ 0.50% · 4.625%
HK$80,974
+HK$4,645/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,658/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,905
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,048
−HK$2,174/mo
Today · 4.125%
HK$84,222
baseline
▲ 0.50% · 4.625%
HK$88,661
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,444/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,347
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,219
−HK$2,919/mo
Today · 4.125%
HK$98,138
baseline
▲ 0.50% · 4.625%
HK$104,109
+HK$5,971/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,276/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,735
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,490
−HK$2,795/mo
Today · 4.125%
HK$108,285
baseline
▲ 0.50% · 4.625%
HK$113,993
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,570/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,214 · Scale 2, in force from 26 Feb 2026)