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$51,326
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,923
−HK$1,622/mo
Today · 4.125%
HK$54,545
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$3,318/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$109,090/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,100
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,554/mo
Today · 4.125%
HK$60,185
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,172/mo
Deposit HK$11.25M · loan HK$11.25M · min. income ≈ HK$120,370/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,591
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,507
−HK$1,946/mo
Today · 4.125%
HK$65,453
baseline
▲ 0.50% · 4.625%
HK$69,436
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,906/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,520
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,357
−HK$1,864/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,028
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,856
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,092
−HK$2,270/mo
Today · 4.125%
HK$76,362
baseline
▲ 0.50% · 4.625%
HK$81,009
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,724/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,939
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,083
−HK$2,175/mo
Today · 4.125%
HK$84,258
baseline
▲ 0.50% · 4.625%
HK$88,700
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,516/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,387
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,261
−HK$2,919/mo
Today · 4.125%
HK$98,180
baseline
▲ 0.50% · 4.625%
HK$104,154
+HK$5,974/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,360/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,779
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,536
−HK$2,796/mo
Today · 4.125%
HK$108,332
baseline
▲ 0.50% · 4.625%
HK$114,043
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,664/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,627 · Scale 2, in force from 26 Feb 2026)