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$51,311
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,907
−HK$1,622/mo
Today · 4.125%
HK$54,529
baseline
▲ 0.50% · 4.625%
HK$57,847
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,058/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,083
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,614
−HK$1,553/mo
Today · 4.125%
HK$60,167
baseline
▲ 0.50% · 4.625%
HK$63,339
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,334/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,946/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$69,416
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,500
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,337
−HK$1,864/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,006
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,836
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,070
−HK$2,270/mo
Today · 4.125%
HK$76,340
baseline
▲ 0.50% · 4.625%
HK$80,986
+HK$4,646/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,680/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,916
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,060
−HK$2,174/mo
Today · 4.125%
HK$84,234
baseline
▲ 0.50% · 4.625%
HK$88,674
+HK$4,440/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,468/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,360
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,233
−HK$2,919/mo
Today · 4.125%
HK$98,152
baseline
▲ 0.50% · 4.625%
HK$104,124
+HK$5,972/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,304/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,750
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,505
−HK$2,796/mo
Today · 4.125%
HK$108,301
baseline
▲ 0.50% · 4.625%
HK$114,010
+HK$5,709/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,602/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,352 · Scale 2, in force from 26 Feb 2026)