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$51,319
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,622/mo
Today · 4.125%
HK$54,537
baseline
▲ 0.50% · 4.625%
HK$57,855
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,074/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,091
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,623
−HK$1,553/mo
Today · 4.125%
HK$60,176
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,352/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,582
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,946/mo
Today · 4.125%
HK$65,444
baseline
▲ 0.50% · 4.625%
HK$69,426
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,888/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,347
−HK$1,864/mo
Today · 4.125%
HK$72,211
baseline
▲ 0.50% · 4.625%
HK$76,017
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,422/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,846
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,081
−HK$2,270/mo
Today · 4.125%
HK$76,351
baseline
▲ 0.50% · 4.625%
HK$80,997
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,702/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,928
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,072
−HK$2,174/mo
Today · 4.125%
HK$84,246
baseline
▲ 0.50% · 4.625%
HK$88,687
+HK$4,441/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,492/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,373
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,247
−HK$2,919/mo
Today · 4.125%
HK$98,166
baseline
▲ 0.50% · 4.625%
HK$104,139
+HK$5,973/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,332/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,765
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,521
−HK$2,796/mo
Today · 4.125%
HK$108,317
baseline
▲ 0.50% · 4.625%
HK$114,026
+HK$5,709/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,634/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,490 · Scale 2, in force from 26 Feb 2026)