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$52,452
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,083
−HK$1,658/mo
Today · 4.125%
HK$55,741
baseline
▲ 0.50% · 4.625%
HK$59,133
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,482/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,352
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,917
−HK$1,588/mo
Today · 4.125%
HK$61,505
baseline
▲ 0.50% · 4.625%
HK$64,747
+HK$3,242/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,010/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,942
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,900
−HK$1,989/mo
Today · 4.125%
HK$66,889
baseline
▲ 0.50% · 4.625%
HK$70,959
+HK$4,070/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,778/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,023
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,901
−HK$1,905/mo
Today · 4.125%
HK$73,806
baseline
▲ 0.50% · 4.625%
HK$77,696
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,612/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,433
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,717
−HK$2,320/mo
Today · 4.125%
HK$78,037
baseline
▲ 0.50% · 4.625%
HK$82,786
+HK$4,749/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,074/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,693
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,884
−HK$2,223/mo
Today · 4.125%
HK$86,107
baseline
▲ 0.50% · 4.625%
HK$90,645
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,214/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,413
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,350
−HK$2,984/mo
Today · 4.125%
HK$100,334
baseline
▲ 0.50% · 4.625%
HK$106,439
+HK$6,105/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,668/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,034
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,851
−HK$2,857/mo
Today · 4.125%
HK$110,708
baseline
▲ 0.50% · 4.625%
HK$116,544
+HK$5,836/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,416/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,611 · Scale 2, in force from 26 Feb 2026)