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$52,431
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,061
−HK$1,657/mo
Today · 4.125%
HK$55,718
baseline
▲ 0.50% · 4.625%
HK$59,109
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,436/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,328
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,893
−HK$1,587/mo
Today · 4.125%
HK$61,480
baseline
▲ 0.50% · 4.625%
HK$64,720
+HK$3,240/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,960/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,917
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,874
−HK$1,988/mo
Today · 4.125%
HK$66,862
baseline
▲ 0.50% · 4.625%
HK$70,930
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,724/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,994
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,871
−HK$1,905/mo
Today · 4.125%
HK$73,776
baseline
▲ 0.50% · 4.625%
HK$77,664
+HK$3,888/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,552/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,403
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,686
−HK$2,320/mo
Today · 4.125%
HK$78,006
baseline
▲ 0.50% · 4.625%
HK$82,752
+HK$4,746/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,012/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,660
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,850
−HK$2,222/mo
Today · 4.125%
HK$86,072
baseline
▲ 0.50% · 4.625%
HK$90,609
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,144/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,375
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,311
−HK$2,982/mo
Today · 4.125%
HK$100,293
baseline
▲ 0.50% · 4.625%
HK$106,396
+HK$6,103/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,586/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,991
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,807
−HK$2,857/mo
Today · 4.125%
HK$110,664
baseline
▲ 0.50% · 4.625%
HK$116,497
+HK$5,833/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,328/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,214 · Scale 2, in force from 26 Feb 2026)