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$51,329
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,926
−HK$1,622/mo
Today · 4.125%
HK$54,548
baseline
▲ 0.50% · 4.625%
HK$57,867
+HK$3,319/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,096/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,103
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,634
−HK$1,554/mo
Today · 4.125%
HK$60,188
baseline
▲ 0.50% · 4.625%
HK$63,361
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,376/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,595
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,511
−HK$1,946/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$69,440
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,523
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,361
−HK$1,865/mo
Today · 4.125%
HK$72,226
baseline
▲ 0.50% · 4.625%
HK$76,033
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,452/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,860
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,096
−HK$2,271/mo
Today · 4.125%
HK$76,367
baseline
▲ 0.50% · 4.625%
HK$81,013
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,734/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,944
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,088
−HK$2,175/mo
Today · 4.125%
HK$84,263
baseline
▲ 0.50% · 4.625%
HK$88,705
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,526/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,392
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,266
−HK$2,920/mo
Today · 4.125%
HK$98,186
baseline
▲ 0.50% · 4.625%
HK$104,160
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,372/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,785
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,542
−HK$2,796/mo
Today · 4.125%
HK$108,338
baseline
▲ 0.50% · 4.625%
HK$114,049
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,676/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,682 · Scale 2, in force from 26 Feb 2026)