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$52,453
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,084
−HK$1,658/mo
Today · 4.125%
HK$55,742
baseline
▲ 0.50% · 4.625%
HK$59,134
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,484/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,353
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,918
−HK$1,588/mo
Today · 4.125%
HK$61,506
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,242/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,012/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,943
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,901
−HK$1,989/mo
Today · 4.125%
HK$66,890
baseline
▲ 0.50% · 4.625%
HK$70,961
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,780/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,024
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,902
−HK$1,905/mo
Today · 4.125%
HK$73,807
baseline
▲ 0.50% · 4.625%
HK$77,697
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,614/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,434
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,718
−HK$2,321/mo
Today · 4.125%
HK$78,039
baseline
▲ 0.50% · 4.625%
HK$82,787
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,078/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,694
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,885
−HK$2,223/mo
Today · 4.125%
HK$86,108
baseline
▲ 0.50% · 4.625%
HK$90,647
+HK$4,539/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,216/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,415
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,352
−HK$2,984/mo
Today · 4.125%
HK$100,336
baseline
▲ 0.50% · 4.625%
HK$106,441
+HK$6,105/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,672/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,036
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,853
−HK$2,858/mo
Today · 4.125%
HK$110,711
baseline
▲ 0.50% · 4.625%
HK$116,546
+HK$5,835/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,422/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,629 · Scale 2, in force from 26 Feb 2026)