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$51,315
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,911
−HK$1,622/mo
Today · 4.125%
HK$54,533
baseline
▲ 0.50% · 4.625%
HK$57,851
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,066/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,088
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,619
−HK$1,553/mo
Today · 4.125%
HK$60,172
baseline
▲ 0.50% · 4.625%
HK$63,344
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,344/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,578
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,494
−HK$1,946/mo
Today · 4.125%
HK$65,440
baseline
▲ 0.50% · 4.625%
HK$69,422
+HK$3,982/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,880/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,505
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,343
−HK$1,863/mo
Today · 4.125%
HK$72,206
baseline
▲ 0.50% · 4.625%
HK$76,012
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,412/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,841
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,076
−HK$2,270/mo
Today · 4.125%
HK$76,346
baseline
▲ 0.50% · 4.625%
HK$80,992
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,692/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,923
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,066
−HK$2,175/mo
Today · 4.125%
HK$84,241
baseline
▲ 0.50% · 4.625%
HK$88,681
+HK$4,440/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,482/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,367
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,241
−HK$2,919/mo
Today · 4.125%
HK$98,160
baseline
▲ 0.50% · 4.625%
HK$104,132
+HK$5,972/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,320/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,758
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,514
−HK$2,796/mo
Today · 4.125%
HK$108,310
baseline
▲ 0.50% · 4.625%
HK$114,019
+HK$5,709/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,620/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,427 · Scale 2, in force from 26 Feb 2026)