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$51,307
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,903
−HK$1,622/mo
Today · 4.125%
HK$54,525
baseline
▲ 0.50% · 4.625%
HK$57,842
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,050/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,079
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,610
−HK$1,553/mo
Today · 4.125%
HK$60,163
baseline
▲ 0.50% · 4.625%
HK$63,334
+HK$3,171/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,326/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,569
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,484
−HK$1,946/mo
Today · 4.125%
HK$65,430
baseline
▲ 0.50% · 4.625%
HK$69,411
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,860/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,495
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,332
−HK$1,863/mo
Today · 4.125%
HK$72,195
baseline
▲ 0.50% · 4.625%
HK$76,001
+HK$3,806/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,390/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,830
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,064
−HK$2,270/mo
Today · 4.125%
HK$76,334
baseline
▲ 0.50% · 4.625%
HK$80,979
+HK$4,645/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,668/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,910
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,053
−HK$2,175/mo
Today · 4.125%
HK$84,228
baseline
▲ 0.50% · 4.625%
HK$88,667
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,456/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,353
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,226
−HK$2,918/mo
Today · 4.125%
HK$98,144
baseline
▲ 0.50% · 4.625%
HK$104,116
+HK$5,972/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,288/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,742
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,497
−HK$2,796/mo
Today · 4.125%
HK$108,293
baseline
▲ 0.50% · 4.625%
HK$114,001
+HK$5,708/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,586/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,278 · Scale 2, in force from 26 Feb 2026)