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$52,428
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,059
−HK$1,656/mo
Today · 4.125%
HK$55,715
baseline
▲ 0.50% · 4.625%
HK$59,106
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,430/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,325
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,890
−HK$1,586/mo
Today · 4.125%
HK$61,476
baseline
▲ 0.50% · 4.625%
HK$64,717
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,952/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,913
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,870
−HK$1,989/mo
Today · 4.125%
HK$66,859
baseline
▲ 0.50% · 4.625%
HK$70,927
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,718/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,990
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,868
−HK$1,904/mo
Today · 4.125%
HK$73,772
baseline
▲ 0.50% · 4.625%
HK$77,660
+HK$3,888/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,544/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,399
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,682
−HK$2,320/mo
Today · 4.125%
HK$78,002
baseline
▲ 0.50% · 4.625%
HK$82,748
+HK$4,746/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$156,004/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,655
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,845
−HK$2,222/mo
Today · 4.125%
HK$86,067
baseline
▲ 0.50% · 4.625%
HK$90,604
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,134/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,370
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,305
−HK$2,983/mo
Today · 4.125%
HK$100,288
baseline
▲ 0.50% · 4.625%
HK$106,390
+HK$6,102/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,576/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,986
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,801
−HK$2,857/mo
Today · 4.125%
HK$110,658
baseline
▲ 0.50% · 4.625%
HK$116,491
+HK$5,833/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,316/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,162 · Scale 2, in force from 26 Feb 2026)