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$51,298
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,893
−HK$1,621/mo
Today · 4.125%
HK$54,514
baseline
▲ 0.50% · 4.625%
HK$57,832
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,028/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,068
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,552/mo
Today · 4.125%
HK$60,151
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,302/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,557
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,472
−HK$1,945/mo
Today · 4.125%
HK$65,417
baseline
▲ 0.50% · 4.625%
HK$69,398
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,834/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,482
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,318
−HK$1,864/mo
Today · 4.125%
HK$72,182
baseline
▲ 0.50% · 4.625%
HK$75,986
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,364/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,817
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$2,269/mo
Today · 4.125%
HK$76,320
baseline
▲ 0.50% · 4.625%
HK$80,964
+HK$4,644/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,640/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,895
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,038
−HK$2,174/mo
Today · 4.125%
HK$84,212
baseline
▲ 0.50% · 4.625%
HK$88,651
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,424/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,336
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,208
−HK$2,918/mo
Today · 4.125%
HK$98,126
baseline
▲ 0.50% · 4.625%
HK$104,097
+HK$5,971/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,252/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,723
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,478
−HK$2,794/mo
Today · 4.125%
HK$108,272
baseline
▲ 0.50% · 4.625%
HK$113,980
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,544/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,099 · Scale 2, in force from 26 Feb 2026)