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$51,295
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,890
−HK$1,622/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,828
+HK$3,316/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,065
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,553/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,554
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,469
−HK$1,945/mo
Today · 4.125%
HK$65,414
baseline
▲ 0.50% · 4.625%
HK$69,394
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,828/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,478
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,315
−HK$1,863/mo
Today · 4.125%
HK$72,178
baseline
▲ 0.50% · 4.625%
HK$75,982
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,356/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,813
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,047
−HK$2,269/mo
Today · 4.125%
HK$76,316
baseline
▲ 0.50% · 4.625%
HK$80,960
+HK$4,644/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,632/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,891
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,034
−HK$2,173/mo
Today · 4.125%
HK$84,207
baseline
▲ 0.50% · 4.625%
HK$88,646
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,414/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,331
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,203
−HK$2,918/mo
Today · 4.125%
HK$98,121
baseline
▲ 0.50% · 4.625%
HK$104,091
+HK$5,970/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,242/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,717
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,472
−HK$2,795/mo
Today · 4.125%
HK$108,267
baseline
▲ 0.50% · 4.625%
HK$113,973
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,534/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,047 · Scale 2, in force from 26 Feb 2026)