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$51,282
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,878
−HK$1,620/mo
Today · 4.125%
HK$54,498
baseline
▲ 0.50% · 4.625%
HK$57,814
+HK$3,316/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,996/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,051
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,581
−HK$1,553/mo
Today · 4.125%
HK$60,134
baseline
▲ 0.50% · 4.625%
HK$63,303
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,268/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,539
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,453
−HK$1,945/mo
Today · 4.125%
HK$65,398
baseline
▲ 0.50% · 4.625%
HK$69,377
+HK$3,979/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,796/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,462
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,298
−HK$1,862/mo
Today · 4.125%
HK$72,160
baseline
▲ 0.50% · 4.625%
HK$75,964
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,320/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,795
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,029
−HK$2,269/mo
Today · 4.125%
HK$76,298
baseline
▲ 0.50% · 4.625%
HK$80,940
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,596/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,872
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,014
−HK$2,173/mo
Today · 4.125%
HK$84,187
baseline
▲ 0.50% · 4.625%
HK$88,625
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,374/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,308
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,180
−HK$2,917/mo
Today · 4.125%
HK$98,097
baseline
▲ 0.50% · 4.625%
HK$104,066
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,194/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,692
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,446
−HK$2,794/mo
Today · 4.125%
HK$108,240
baseline
▲ 0.50% · 4.625%
HK$113,946
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,480/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,817 · Scale 2, in force from 26 Feb 2026)