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$3,218/mo
▼ 0.25% · 3.875%
HK$52,916
−HK$1,622/mo
Today · 4.125%
HK$54,538
baseline
▲ 0.50% · 4.625%
HK$57,856
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,076/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,093
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,624
−HK$1,553/mo
Today · 4.125%
HK$60,177
baseline
▲ 0.50% · 4.625%
HK$63,349
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,354/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,584
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,499
−HK$1,946/mo
Today · 4.125%
HK$65,445
baseline
▲ 0.50% · 4.625%
HK$69,428
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,890/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,511
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$1,864/mo
Today · 4.125%
HK$72,213
baseline
▲ 0.50% · 4.625%
HK$76,019
+HK$3,806/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$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,847
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,082
−HK$2,271/mo
Today · 4.125%
HK$76,353
baseline
▲ 0.50% · 4.625%
HK$80,999
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,706/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,930
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,073
−HK$2,175/mo
Today · 4.125%
HK$84,248
baseline
▲ 0.50% · 4.625%
HK$88,689
+HK$4,441/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,496/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,375
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,249
−HK$2,919/mo
Today · 4.125%
HK$98,168
baseline
▲ 0.50% · 4.625%
HK$104,141
+HK$5,973/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,336/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,767
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,523
−HK$2,796/mo
Today · 4.125%
HK$108,319
baseline
▲ 0.50% · 4.625%
HK$114,028
+HK$5,709/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,638/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,509 · Scale 2, in force from 26 Feb 2026)