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$52,455
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,087
−HK$1,657/mo
Today · 4.125%
HK$55,744
baseline
▲ 0.50% · 4.625%
HK$59,136
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,488/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,356
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,921
−HK$1,587/mo
Today · 4.125%
HK$61,508
baseline
▲ 0.50% · 4.625%
HK$64,751
+HK$3,243/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,016/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,946
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,904
−HK$1,989/mo
Today · 4.125%
HK$66,893
baseline
▲ 0.50% · 4.625%
HK$70,964
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,786/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,027
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,905
−HK$1,905/mo
Today · 4.125%
HK$73,810
baseline
▲ 0.50% · 4.625%
HK$77,701
+HK$3,891/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,620/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,437
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,721
−HK$2,321/mo
Today · 4.125%
HK$78,042
baseline
▲ 0.50% · 4.625%
HK$82,791
+HK$4,749/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,084/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,698
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,889
−HK$2,223/mo
Today · 4.125%
HK$86,112
baseline
▲ 0.50% · 4.625%
HK$90,651
+HK$4,539/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,224/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,419
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,356
−HK$2,984/mo
Today · 4.125%
HK$100,340
baseline
▲ 0.50% · 4.625%
HK$106,445
+HK$6,105/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,680/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,040
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,857
−HK$2,858/mo
Today · 4.125%
HK$110,715
baseline
▲ 0.50% · 4.625%
HK$116,551
+HK$5,836/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,430/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,671 · Scale 2, in force from 26 Feb 2026)