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$51,303
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,899
−HK$1,621/mo
Today · 4.125%
HK$54,520
baseline
▲ 0.50% · 4.625%
HK$57,838
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,040/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,074
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,605
−HK$1,553/mo
Today · 4.125%
HK$60,158
baseline
▲ 0.50% · 4.625%
HK$63,329
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,316/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,564
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,479
−HK$1,946/mo
Today · 4.125%
HK$65,425
baseline
▲ 0.50% · 4.625%
HK$69,405
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,850/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,489
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,326
−HK$1,863/mo
Today · 4.125%
HK$72,189
baseline
▲ 0.50% · 4.625%
HK$75,995
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,378/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,825
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,059
−HK$2,270/mo
Today · 4.125%
HK$76,329
baseline
▲ 0.50% · 4.625%
HK$80,973
+HK$4,644/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,658/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,904
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,047
−HK$2,174/mo
Today · 4.125%
HK$84,221
baseline
▲ 0.50% · 4.625%
HK$88,660
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,442/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,346
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,218
−HK$2,919/mo
Today · 4.125%
HK$98,137
baseline
▲ 0.50% · 4.625%
HK$104,108
+HK$5,971/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,274/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,734
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,489
−HK$2,795/mo
Today · 4.125%
HK$108,284
baseline
▲ 0.50% · 4.625%
HK$113,992
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,568/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,204 · Scale 2, in force from 26 Feb 2026)