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$51,325
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,921
−HK$1,622/mo
Today · 4.125%
HK$54,543
baseline
▲ 0.50% · 4.625%
HK$57,862
+HK$3,319/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,086/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,098
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,629
−HK$1,554/mo
Today · 4.125%
HK$60,183
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,366/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,590
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,505
−HK$1,947/mo
Today · 4.125%
HK$65,452
baseline
▲ 0.50% · 4.625%
HK$69,434
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,904/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,518
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,355
−HK$1,865/mo
Today · 4.125%
HK$72,220
baseline
▲ 0.50% · 4.625%
HK$76,026
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,440/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,855
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,090
−HK$2,270/mo
Today · 4.125%
HK$76,360
baseline
▲ 0.50% · 4.625%
HK$81,007
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,720/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,937
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,081
−HK$2,175/mo
Today · 4.125%
HK$84,256
baseline
▲ 0.50% · 4.625%
HK$88,697
+HK$4,441/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,512/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,384
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,258
−HK$2,920/mo
Today · 4.125%
HK$98,178
baseline
▲ 0.50% · 4.625%
HK$104,152
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,356/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,777
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,533
−HK$2,796/mo
Today · 4.125%
HK$108,329
baseline
▲ 0.50% · 4.625%
HK$114,040
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,658/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,602 · Scale 2, in force from 26 Feb 2026)