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$51,288
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,883
−HK$1,621/mo
Today · 4.125%
HK$54,504
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$3,316/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,008/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,057
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,552/mo
Today · 4.125%
HK$60,139
baseline
▲ 0.50% · 4.625%
HK$63,309
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,278/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,545
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,459
−HK$1,945/mo
Today · 4.125%
HK$65,404
baseline
▲ 0.50% · 4.625%
HK$69,384
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,808/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,468
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$1,862/mo
Today · 4.125%
HK$72,167
baseline
▲ 0.50% · 4.625%
HK$75,971
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,334/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,803
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,036
−HK$2,269/mo
Today · 4.125%
HK$76,305
baseline
▲ 0.50% · 4.625%
HK$80,948
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,610/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,880
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,022
−HK$2,173/mo
Today · 4.125%
HK$84,195
baseline
▲ 0.50% · 4.625%
HK$88,633
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,390/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,318
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,189
−HK$2,918/mo
Today · 4.125%
HK$98,107
baseline
▲ 0.50% · 4.625%
HK$104,076
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,214/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,702
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,457
−HK$2,794/mo
Today · 4.125%
HK$108,251
baseline
▲ 0.50% · 4.625%
HK$113,957
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,502/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$955,910 · Scale 2, in force from 26 Feb 2026)