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$51,316
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,912
−HK$1,622/mo
Today · 4.125%
HK$54,534
baseline
▲ 0.50% · 4.625%
HK$57,852
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,068/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,089
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,620
−HK$1,553/mo
Today · 4.125%
HK$60,173
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,346/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,579
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,946/mo
Today · 4.125%
HK$65,441
baseline
▲ 0.50% · 4.625%
HK$69,423
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,882/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,506
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,344
−HK$1,863/mo
Today · 4.125%
HK$72,207
baseline
▲ 0.50% · 4.625%
HK$76,014
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,414/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,842
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,077
−HK$2,271/mo
Today · 4.125%
HK$76,348
baseline
▲ 0.50% · 4.625%
HK$80,993
+HK$4,645/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,696/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,924
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,067
−HK$2,175/mo
Today · 4.125%
HK$84,242
baseline
▲ 0.50% · 4.625%
HK$88,683
+HK$4,441/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,484/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,369
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,242
−HK$2,919/mo
Today · 4.125%
HK$98,161
baseline
▲ 0.50% · 4.625%
HK$104,134
+HK$5,973/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,322/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,759
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,515
−HK$2,796/mo
Today · 4.125%
HK$108,311
baseline
▲ 0.50% · 4.625%
HK$114,020
+HK$5,709/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,622/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,441 · Scale 2, in force from 26 Feb 2026)