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$52,469
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,101
−HK$1,658/mo
Today · 4.125%
HK$55,759
baseline
▲ 0.50% · 4.625%
HK$59,152
+HK$3,393/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,518/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,371
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,936
−HK$1,588/mo
Today · 4.125%
HK$61,524
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,244/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,048/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,962
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,921
−HK$1,990/mo
Today · 4.125%
HK$66,911
baseline
▲ 0.50% · 4.625%
HK$70,982
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,822/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,045
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,924
−HK$1,905/mo
Today · 4.125%
HK$73,829
baseline
▲ 0.50% · 4.625%
HK$77,721
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,658/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,456
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,741
−HK$2,321/mo
Today · 4.125%
HK$78,062
baseline
▲ 0.50% · 4.625%
HK$82,812
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,124/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,719
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,911
−HK$2,223/mo
Today · 4.125%
HK$86,134
baseline
▲ 0.50% · 4.625%
HK$90,675
+HK$4,541/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,268/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,444
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,381
−HK$2,985/mo
Today · 4.125%
HK$100,366
baseline
▲ 0.50% · 4.625%
HK$106,473
+HK$6,107/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,732/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,068
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,885
−HK$2,859/mo
Today · 4.125%
HK$110,744
baseline
▲ 0.50% · 4.625%
HK$116,582
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,488/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,925 · Scale 2, in force from 26 Feb 2026)