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$51,287
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,882
−HK$1,621/mo
Today · 4.125%
HK$54,503
baseline
▲ 0.50% · 4.625%
HK$57,819
+HK$3,316/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,006/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,056
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,552/mo
Today · 4.125%
HK$60,138
baseline
▲ 0.50% · 4.625%
HK$63,308
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,276/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,544
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,458
−HK$1,945/mo
Today · 4.125%
HK$65,403
baseline
▲ 0.50% · 4.625%
HK$69,383
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,806/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,467
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,303
−HK$1,863/mo
Today · 4.125%
HK$72,166
baseline
▲ 0.50% · 4.625%
HK$75,970
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,332/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,801
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,035
−HK$2,269/mo
Today · 4.125%
HK$76,304
baseline
▲ 0.50% · 4.625%
HK$80,947
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,608/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,878
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,020
−HK$2,174/mo
Today · 4.125%
HK$84,194
baseline
▲ 0.50% · 4.625%
HK$88,632
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,388/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,316
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,187
−HK$2,918/mo
Today · 4.125%
HK$98,105
baseline
▲ 0.50% · 4.625%
HK$104,074
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,210/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,700
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,455
−HK$2,794/mo
Today · 4.125%
HK$108,249
baseline
▲ 0.50% · 4.625%
HK$113,955
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,498/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$955,893 · Scale 2, in force from 26 Feb 2026)