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$51,328
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,925
−HK$1,622/mo
Today · 4.125%
HK$54,547
baseline
▲ 0.50% · 4.625%
HK$57,866
+HK$3,319/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,094/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,634
−HK$1,553/mo
Today · 4.125%
HK$60,187
baseline
▲ 0.50% · 4.625%
HK$63,360
+HK$3,173/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,374/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,594
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,510
−HK$1,947/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$69,439
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,523
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,361
−HK$1,864/mo
Today · 4.125%
HK$72,225
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,450/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,860
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,095
−HK$2,271/mo
Today · 4.125%
HK$76,366
baseline
▲ 0.50% · 4.625%
HK$81,013
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,732/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,943
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,087
−HK$2,175/mo
Today · 4.125%
HK$84,262
baseline
▲ 0.50% · 4.625%
HK$88,704
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,524/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,391
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,265
−HK$2,920/mo
Today · 4.125%
HK$98,185
baseline
▲ 0.50% · 4.625%
HK$104,159
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,370/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,784
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,541
−HK$2,796/mo
Today · 4.125%
HK$108,337
baseline
▲ 0.50% · 4.625%
HK$114,048
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,674/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,672 · Scale 2, in force from 26 Feb 2026)