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$52,423
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,054
−HK$1,657/mo
Today · 4.125%
HK$55,711
baseline
▲ 0.50% · 4.625%
HK$59,101
+HK$3,390/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,422/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,320
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,885
−HK$1,586/mo
Today · 4.125%
HK$61,471
baseline
▲ 0.50% · 4.625%
HK$64,711
+HK$3,240/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,942/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,988/mo
Today · 4.125%
HK$66,853
baseline
▲ 0.50% · 4.625%
HK$70,921
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$133,706/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,861
−HK$1,905/mo
Today · 4.125%
HK$73,766
baseline
▲ 0.50% · 4.625%
HK$77,654
+HK$3,888/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$147,532/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,393
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,676
−HK$2,319/mo
Today · 4.125%
HK$77,995
baseline
▲ 0.50% · 4.625%
HK$82,741
+HK$4,746/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$155,990/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,649
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,838
−HK$2,222/mo
Today · 4.125%
HK$86,060
baseline
▲ 0.50% · 4.625%
HK$90,596
+HK$4,536/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,120/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,362
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,297
−HK$2,982/mo
Today · 4.125%
HK$100,279
baseline
▲ 0.50% · 4.625%
HK$106,381
+HK$6,102/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,558/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,977
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,792
−HK$2,856/mo
Today · 4.125%
HK$110,648
baseline
▲ 0.50% · 4.625%
HK$116,481
+HK$5,833/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,296/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,079 · Scale 2, in force from 26 Feb 2026)