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$52,437
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,068
−HK$1,657/mo
Today · 4.125%
HK$55,725
baseline
▲ 0.50% · 4.625%
HK$59,116
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,450/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,335
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,900
−HK$1,587/mo
Today · 4.125%
HK$61,487
baseline
▲ 0.50% · 4.625%
HK$64,728
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,974/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,924
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,881
−HK$1,989/mo
Today · 4.125%
HK$66,870
baseline
▲ 0.50% · 4.625%
HK$70,939
+HK$4,069/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,740/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,002
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$1,904/mo
Today · 4.125%
HK$73,784
baseline
▲ 0.50% · 4.625%
HK$77,673
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,568/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,411
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,695
−HK$2,320/mo
Today · 4.125%
HK$78,015
baseline
▲ 0.50% · 4.625%
HK$82,762
+HK$4,747/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,030/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,669
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,860
−HK$2,222/mo
Today · 4.125%
HK$86,082
baseline
▲ 0.50% · 4.625%
HK$90,619
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,164/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,386
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,322
−HK$2,983/mo
Today · 4.125%
HK$100,305
baseline
▲ 0.50% · 4.625%
HK$106,408
+HK$6,103/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,610/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,003
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,819
−HK$2,857/mo
Today · 4.125%
HK$110,676
baseline
▲ 0.50% · 4.625%
HK$116,510
+HK$5,834/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,352/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,327 · Scale 2, in force from 26 Feb 2026)