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$52,434
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,657/mo
Today · 4.125%
HK$55,722
baseline
▲ 0.50% · 4.625%
HK$59,113
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,444/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,333
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,897
−HK$1,587/mo
Today · 4.125%
HK$61,484
baseline
▲ 0.50% · 4.625%
HK$64,725
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,968/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,921
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,878
−HK$1,989/mo
Today · 4.125%
HK$66,867
baseline
▲ 0.50% · 4.625%
HK$70,935
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,734/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,999
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,876
−HK$1,905/mo
Today · 4.125%
HK$73,781
baseline
▲ 0.50% · 4.625%
HK$77,670
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,562/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,408
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,691
−HK$2,320/mo
Today · 4.125%
HK$78,011
baseline
▲ 0.50% · 4.625%
HK$82,758
+HK$4,747/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,022/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,666
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,856
−HK$2,222/mo
Today · 4.125%
HK$86,078
baseline
▲ 0.50% · 4.625%
HK$90,615
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,156/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,382
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,317
−HK$2,983/mo
Today · 4.125%
HK$100,300
baseline
▲ 0.50% · 4.625%
HK$106,403
+HK$6,103/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,600/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,999
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,815
−HK$2,856/mo
Today · 4.125%
HK$110,671
baseline
▲ 0.50% · 4.625%
HK$116,505
+HK$5,834/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,342/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,283 · Scale 2, in force from 26 Feb 2026)