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$52,442
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,073
−HK$1,657/mo
Today · 4.125%
HK$55,730
baseline
▲ 0.50% · 4.625%
HK$59,121
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,460/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,341
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,906
−HK$1,587/mo
Today · 4.125%
HK$61,493
baseline
▲ 0.50% · 4.625%
HK$64,734
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,986/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,930
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,887
−HK$1,989/mo
Today · 4.125%
HK$66,876
baseline
▲ 0.50% · 4.625%
HK$70,946
+HK$4,070/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,752/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,009
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,887
−HK$1,904/mo
Today · 4.125%
HK$73,791
baseline
▲ 0.50% · 4.625%
HK$77,681
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,582/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,418
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,702
−HK$2,320/mo
Today · 4.125%
HK$78,022
baseline
▲ 0.50% · 4.625%
HK$82,770
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,044/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,677
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,868
−HK$2,222/mo
Today · 4.125%
HK$86,090
baseline
▲ 0.50% · 4.625%
HK$90,628
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,180/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,395
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,331
−HK$2,983/mo
Today · 4.125%
HK$100,314
baseline
▲ 0.50% · 4.625%
HK$106,418
+HK$6,104/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,628/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,014
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,830
−HK$2,857/mo
Today · 4.125%
HK$110,687
baseline
▲ 0.50% · 4.625%
HK$116,522
+HK$5,835/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,374/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,422 · Scale 2, in force from 26 Feb 2026)