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$51,293
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,889
−HK$1,621/mo
Today · 4.125%
HK$54,510
baseline
▲ 0.50% · 4.625%
HK$57,826
+HK$3,316/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,020/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,063
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,593
−HK$1,553/mo
Today · 4.125%
HK$60,146
baseline
▲ 0.50% · 4.625%
HK$63,316
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,292/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,552
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,946/mo
Today · 4.125%
HK$65,412
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,824/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,476
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,312
−HK$1,863/mo
Today · 4.125%
HK$72,175
baseline
▲ 0.50% · 4.625%
HK$75,980
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,350/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,810
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,044
−HK$2,269/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,957
+HK$4,644/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,888
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,031
−HK$2,173/mo
Today · 4.125%
HK$84,204
baseline
▲ 0.50% · 4.625%
HK$88,643
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,408/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,328
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,199
−HK$2,918/mo
Today · 4.125%
HK$98,117
baseline
▲ 0.50% · 4.625%
HK$104,087
+HK$5,970/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,234/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,713
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,468
−HK$2,795/mo
Today · 4.125%
HK$108,263
baseline
▲ 0.50% · 4.625%
HK$113,969
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,526/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,014 · Scale 2, in force from 26 Feb 2026)