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$51,283
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,879
−HK$1,620/mo
Today · 4.125%
HK$54,499
baseline
▲ 0.50% · 4.625%
HK$57,816
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$108,998/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,052
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,582
−HK$1,553/mo
Today · 4.125%
HK$60,135
baseline
▲ 0.50% · 4.625%
HK$63,304
+HK$3,169/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,270/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,540
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,454
−HK$1,945/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$69,379
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,463
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$1,863/mo
Today · 4.125%
HK$72,162
baseline
▲ 0.50% · 4.625%
HK$75,965
+HK$3,803/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,324/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,797
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,030
−HK$2,269/mo
Today · 4.125%
HK$76,299
baseline
▲ 0.50% · 4.625%
HK$80,942
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,598/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,873
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,015
−HK$2,174/mo
Today · 4.125%
HK$84,189
baseline
▲ 0.50% · 4.625%
HK$88,626
+HK$4,437/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,378/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,310
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,182
−HK$2,917/mo
Today · 4.125%
HK$98,099
baseline
▲ 0.50% · 4.625%
HK$104,068
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,198/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,694
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,448
−HK$2,794/mo
Today · 4.125%
HK$108,242
baseline
▲ 0.50% · 4.625%
HK$113,948
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,484/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,834 · Scale 2, in force from 26 Feb 2026)