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$52,877
−HK$1,621/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$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,051
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,581
−HK$1,552/mo
Today · 4.125%
HK$60,133
baseline
▲ 0.50% · 4.625%
HK$63,302
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,266/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,538
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,452
−HK$1,945/mo
Today · 4.125%
HK$65,397
baseline
▲ 0.50% · 4.625%
HK$69,376
+HK$3,979/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$130,794/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,461
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$1,862/mo
Today · 4.125%
HK$72,159
baseline
▲ 0.50% · 4.625%
HK$75,963
+HK$3,804/mo
Deposit HK$9.00M · loan HK$13.49M · min. income ≈ HK$144,318/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,795
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,028
−HK$2,269/mo
Today · 4.125%
HK$76,297
baseline
▲ 0.50% · 4.625%
HK$80,939
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,594/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,871
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,013
−HK$2,173/mo
Today · 4.125%
HK$84,186
baseline
▲ 0.50% · 4.625%
HK$88,623
+HK$4,437/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,372/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,307
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,179
−HK$2,917/mo
Today · 4.125%
HK$98,096
baseline
▲ 0.50% · 4.625%
HK$104,065
+HK$5,969/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,192/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,691
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,445
−HK$2,794/mo
Today · 4.125%
HK$108,239
baseline
▲ 0.50% · 4.625%
HK$113,944
+HK$5,705/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,478/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,804 · Scale 2, in force from 26 Feb 2026)