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$51,295
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,891
−HK$1,621/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,829
+HK$3,317/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,065
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,596
−HK$1,553/mo
Today · 4.125%
HK$60,149
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,170/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,298/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,554
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,469
−HK$1,945/mo
Today · 4.125%
HK$65,414
baseline
▲ 0.50% · 4.625%
HK$69,395
+HK$3,981/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$130,828/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,479
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,315
−HK$1,863/mo
Today · 4.125%
HK$72,178
baseline
▲ 0.50% · 4.625%
HK$75,983
+HK$3,805/mo
Deposit HK$9.00M · loan HK$13.50M · min. income ≈ HK$144,356/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,813
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,047
−HK$2,270/mo
Today · 4.125%
HK$76,317
baseline
▲ 0.50% · 4.625%
HK$80,960
+HK$4,643/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$152,634/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,892
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,034
−HK$2,174/mo
Today · 4.125%
HK$84,208
baseline
▲ 0.50% · 4.625%
HK$88,647
+HK$4,439/mo
Deposit HK$6.75M · loan HK$15.75M · min. income ≈ HK$168,416/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,331
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,204
−HK$2,917/mo
Today · 4.125%
HK$98,121
baseline
▲ 0.50% · 4.625%
HK$104,092
+HK$5,971/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$196,242/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,718
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,473
−HK$2,794/mo
Today · 4.125%
HK$108,267
baseline
▲ 0.50% · 4.625%
HK$113,974
+HK$5,707/mo
Deposit HK$2.25M · loan HK$20.25M · min. income ≈ HK$216,534/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,055 · Scale 2, in force from 26 Feb 2026)