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$51,277
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,621/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,809
+HK$3,316/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,046
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,553/mo
Today · 4.125%
HK$60,128
baseline
▲ 0.50% · 4.625%
HK$63,297
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,256/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,533
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,447
−HK$1,945/mo
Today · 4.125%
HK$65,392
baseline
▲ 0.50% · 4.625%
HK$69,370
+HK$3,978/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,784/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,455
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,291
−HK$1,862/mo
Today · 4.125%
HK$72,153
baseline
▲ 0.50% · 4.625%
HK$75,956
+HK$3,803/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,306/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,788
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,021
−HK$2,269/mo
Today · 4.125%
HK$76,290
baseline
▲ 0.50% · 4.625%
HK$80,932
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,580/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,864
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,006
−HK$2,173/mo
Today · 4.125%
HK$84,179
baseline
▲ 0.50% · 4.625%
HK$88,616
+HK$4,437/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,358/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,299
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,170
−HK$2,917/mo
Today · 4.125%
HK$98,087
baseline
▲ 0.50% · 4.625%
HK$104,056
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,174/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,682
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,436
−HK$2,794/mo
Today · 4.125%
HK$108,230
baseline
▲ 0.50% · 4.625%
HK$113,935
+HK$5,705/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,460/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,721 · Scale 2, in force from 26 Feb 2026)