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$52,448
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,080
−HK$1,657/mo
Today · 4.125%
HK$55,737
baseline
▲ 0.50% · 4.625%
HK$59,129
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,474/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,348
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,913
−HK$1,587/mo
Today · 4.125%
HK$61,500
baseline
▲ 0.50% · 4.625%
HK$64,742
+HK$3,242/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,000/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,938
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,896
−HK$1,989/mo
Today · 4.125%
HK$66,885
baseline
▲ 0.50% · 4.625%
HK$70,954
+HK$4,069/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,770/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,018
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,896
−HK$1,905/mo
Today · 4.125%
HK$73,801
baseline
▲ 0.50% · 4.625%
HK$77,691
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,602/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,427
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,712
−HK$2,320/mo
Today · 4.125%
HK$78,032
baseline
▲ 0.50% · 4.625%
HK$82,780
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,064/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,687
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,878
−HK$2,223/mo
Today · 4.125%
HK$86,101
baseline
▲ 0.50% · 4.625%
HK$90,639
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,202/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,407
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,343
−HK$2,984/mo
Today · 4.125%
HK$100,327
baseline
▲ 0.50% · 4.625%
HK$106,432
+HK$6,105/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,654/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,027
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,843
−HK$2,858/mo
Today · 4.125%
HK$110,701
baseline
▲ 0.50% · 4.625%
HK$116,536
+HK$5,835/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,402/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,544 · Scale 2, in force from 26 Feb 2026)