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$3,217/mo
▼ 0.25% · 3.875%
HK$52,894
−HK$1,621/mo
Today · 4.125%
HK$54,515
baseline
▲ 0.50% · 4.625%
HK$57,832
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,030/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,068
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,553/mo
Today · 4.125%
HK$60,152
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,304/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,472
−HK$1,946/mo
Today · 4.125%
HK$65,418
baseline
▲ 0.50% · 4.625%
HK$69,398
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,836/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,482
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$1,863/mo
Today · 4.125%
HK$72,182
baseline
▲ 0.50% · 4.625%
HK$75,987
+HK$3,805/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$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,817
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$2,270/mo
Today · 4.125%
HK$76,321
baseline
▲ 0.50% · 4.625%
HK$80,965
+HK$4,644/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,642/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,896
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,039
−HK$2,173/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$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,336
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,209
−HK$2,918/mo
Today · 4.125%
HK$98,127
baseline
▲ 0.50% · 4.625%
HK$104,097
+HK$5,970/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,254/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,723
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,478
−HK$2,795/mo
Today · 4.125%
HK$108,273
baseline
▲ 0.50% · 4.625%
HK$113,980
+HK$5,707/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,546/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,105 · Scale 2, in force from 26 Feb 2026)