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$51,290
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,886
−HK$1,621/mo
Today · 4.125%
HK$54,507
baseline
▲ 0.50% · 4.625%
HK$57,823
+HK$3,316/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,014/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,060
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,553/mo
Today · 4.125%
HK$60,143
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,286/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,463
−HK$1,945/mo
Today · 4.125%
HK$65,408
baseline
▲ 0.50% · 4.625%
HK$69,388
+HK$3,980/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,816/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,472
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,308
−HK$1,863/mo
Today · 4.125%
HK$72,171
baseline
▲ 0.50% · 4.625%
HK$75,975
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,342/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,806
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,040
−HK$2,269/mo
Today · 4.125%
HK$76,309
baseline
▲ 0.50% · 4.625%
HK$80,952
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,618/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,884
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,026
−HK$2,174/mo
Today · 4.125%
HK$84,200
baseline
▲ 0.50% · 4.625%
HK$88,638
+HK$4,438/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,400/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,322
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,194
−HK$2,918/mo
Today · 4.125%
HK$98,112
baseline
▲ 0.50% · 4.625%
HK$104,082
+HK$5,970/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,224/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,708
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,462
−HK$2,795/mo
Today · 4.125%
HK$108,257
baseline
▲ 0.50% · 4.625%
HK$113,963
+HK$5,706/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,514/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$955,961 · Scale 2, in force from 26 Feb 2026)