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$52,468
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,100
−HK$1,658/mo
Today · 4.125%
HK$55,758
baseline
▲ 0.50% · 4.625%
HK$59,150
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,516/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,370
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,935
−HK$1,588/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$64,766
+HK$3,243/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,961
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,920
−HK$1,989/mo
Today · 4.125%
HK$66,909
baseline
▲ 0.50% · 4.625%
HK$70,981
+HK$4,072/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,818/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,044
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,922
−HK$1,906/mo
Today · 4.125%
HK$73,828
baseline
▲ 0.50% · 4.625%
HK$77,719
+HK$3,891/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,656/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,455
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,739
−HK$2,322/mo
Today · 4.125%
HK$78,061
baseline
▲ 0.50% · 4.625%
HK$82,811
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,122/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,717
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,909
−HK$2,223/mo
Today · 4.125%
HK$86,132
baseline
▲ 0.50% · 4.625%
HK$90,673
+HK$4,541/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,264/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,442
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,379
−HK$2,985/mo
Today · 4.125%
HK$100,364
baseline
▲ 0.50% · 4.625%
HK$106,471
+HK$6,107/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,728/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,065
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,883
−HK$2,859/mo
Today · 4.125%
HK$110,742
baseline
▲ 0.50% · 4.625%
HK$116,579
+HK$5,837/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,484/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,904 · Scale 2, in force from 26 Feb 2026)