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$52,460
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,658/mo
Today · 4.125%
HK$55,750
baseline
▲ 0.50% · 4.625%
HK$59,142
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,500/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,362
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,588/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$64,757
+HK$3,242/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,952
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,911
−HK$1,989/mo
Today · 4.125%
HK$66,900
baseline
▲ 0.50% · 4.625%
HK$70,971
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,800/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,034
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,912
−HK$1,906/mo
Today · 4.125%
HK$73,818
baseline
▲ 0.50% · 4.625%
HK$77,709
+HK$3,891/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,636/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,444
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,729
−HK$2,321/mo
Today · 4.125%
HK$78,050
baseline
▲ 0.50% · 4.625%
HK$82,799
+HK$4,749/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,100/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,706
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,898
−HK$2,223/mo
Today · 4.125%
HK$86,121
baseline
▲ 0.50% · 4.625%
HK$90,660
+HK$4,539/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,242/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,429
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,366
−HK$2,984/mo
Today · 4.125%
HK$100,350
baseline
▲ 0.50% · 4.625%
HK$106,456
+HK$6,106/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,700/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,051
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,868
−HK$2,858/mo
Today · 4.125%
HK$110,726
baseline
▲ 0.50% · 4.625%
HK$116,563
+HK$5,837/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,452/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,769 · Scale 2, in force from 26 Feb 2026)