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$51,306
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,902
−HK$1,622/mo
Today · 4.125%
HK$54,524
baseline
▲ 0.50% · 4.625%
HK$57,841
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,048/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,078
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,608
−HK$1,553/mo
Today · 4.125%
HK$60,161
baseline
▲ 0.50% · 4.625%
HK$63,333
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,322/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,567
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,483
−HK$1,945/mo
Today · 4.125%
HK$65,428
baseline
▲ 0.50% · 4.625%
HK$69,409
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,856/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,493
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,330
−HK$1,864/mo
Today · 4.125%
HK$72,194
baseline
▲ 0.50% · 4.625%
HK$75,999
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,388/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,829
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,063
−HK$2,270/mo
Today · 4.125%
HK$76,333
baseline
▲ 0.50% · 4.625%
HK$80,978
+HK$4,645/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,666/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,909
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,052
−HK$2,174/mo
Today · 4.125%
HK$84,226
baseline
▲ 0.50% · 4.625%
HK$88,666
+HK$4,440/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,452/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,351
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,224
−HK$2,918/mo
Today · 4.125%
HK$98,142
baseline
▲ 0.50% · 4.625%
HK$104,114
+HK$5,972/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,284/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,740
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,495
−HK$2,796/mo
Today · 4.125%
HK$108,291
baseline
▲ 0.50% · 4.625%
HK$113,999
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,582/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,259 · Scale 2, in force from 26 Feb 2026)