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$51,320
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,917
−HK$1,622/mo
Today · 4.125%
HK$54,539
baseline
▲ 0.50% · 4.625%
HK$57,857
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,078/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,093
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,625
−HK$1,553/mo
Today · 4.125%
HK$60,178
baseline
▲ 0.50% · 4.625%
HK$63,350
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,356/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,584
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,500
−HK$1,946/mo
Today · 4.125%
HK$65,446
baseline
▲ 0.50% · 4.625%
HK$69,428
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,892/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,512
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$1,864/mo
Today · 4.125%
HK$72,213
baseline
▲ 0.50% · 4.625%
HK$76,020
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,426/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,848
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,083
−HK$2,271/mo
Today · 4.125%
HK$76,354
baseline
▲ 0.50% · 4.625%
HK$81,000
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,708/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,931
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,074
−HK$2,175/mo
Today · 4.125%
HK$84,249
baseline
▲ 0.50% · 4.625%
HK$88,690
+HK$4,441/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,498/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,377
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,250
−HK$2,919/mo
Today · 4.125%
HK$98,169
baseline
▲ 0.50% · 4.625%
HK$104,143
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,338/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,768
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,524
−HK$2,796/mo
Today · 4.125%
HK$108,320
baseline
▲ 0.50% · 4.625%
HK$114,030
+HK$5,710/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,640/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,521 · Scale 2, in force from 26 Feb 2026)