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$51,279
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,874
−HK$1,620/mo
Today · 4.125%
HK$54,494
baseline
▲ 0.50% · 4.625%
HK$57,810
+HK$3,316/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,988/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,047
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,577
−HK$1,552/mo
Today · 4.125%
HK$60,129
baseline
▲ 0.50% · 4.625%
HK$63,298
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,258/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,534
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,448
−HK$1,945/mo
Today · 4.125%
HK$65,393
baseline
▲ 0.50% · 4.625%
HK$69,372
+HK$3,979/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,786/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,456
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,292
−HK$1,863/mo
Today · 4.125%
HK$72,155
baseline
▲ 0.50% · 4.625%
HK$75,958
+HK$3,803/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,310/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,790
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,023
−HK$2,269/mo
Today · 4.125%
HK$76,292
baseline
▲ 0.50% · 4.625%
HK$80,934
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,584/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,866
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,008
−HK$2,173/mo
Today · 4.125%
HK$84,181
baseline
▲ 0.50% · 4.625%
HK$88,618
+HK$4,437/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,362/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,301
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,173
−HK$2,917/mo
Today · 4.125%
HK$98,090
baseline
▲ 0.50% · 4.625%
HK$104,058
+HK$5,968/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,180/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,684
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,438
−HK$2,794/mo
Today · 4.125%
HK$108,232
baseline
▲ 0.50% · 4.625%
HK$113,937
+HK$5,705/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,464/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,744 · Scale 2, in force from 26 Feb 2026)