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$52,425
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,055
−HK$1,657/mo
Today · 4.125%
HK$55,712
baseline
▲ 0.50% · 4.625%
HK$59,102
+HK$3,390/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,424/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,322
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,886
−HK$1,587/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$64,713
+HK$3,240/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,910
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,866
−HK$1,989/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,923
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,986
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,863
−HK$1,904/mo
Today · 4.125%
HK$73,767
baseline
▲ 0.50% · 4.625%
HK$77,656
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$147,534/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,395
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,678
−HK$2,319/mo
Today · 4.125%
HK$77,997
baseline
▲ 0.50% · 4.625%
HK$82,743
+HK$4,746/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$155,994/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,651
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,841
−HK$2,221/mo
Today · 4.125%
HK$86,062
baseline
▲ 0.50% · 4.625%
HK$90,598
+HK$4,536/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,124/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,364
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,300
−HK$2,982/mo
Today · 4.125%
HK$100,282
baseline
▲ 0.50% · 4.625%
HK$106,384
+HK$6,102/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,564/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,979
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,795
−HK$2,856/mo
Today · 4.125%
HK$110,651
baseline
▲ 0.50% · 4.625%
HK$116,484
+HK$5,833/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,302/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,105 · Scale 2, in force from 26 Feb 2026)