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$52,440
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,071
−HK$1,657/mo
Today · 4.125%
HK$55,728
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,456/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,339
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,588/mo
Today · 4.125%
HK$61,491
baseline
▲ 0.50% · 4.625%
HK$64,732
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,982/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,928
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,885
−HK$1,989/mo
Today · 4.125%
HK$66,874
baseline
▲ 0.50% · 4.625%
HK$70,943
+HK$4,069/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,748/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,006
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,884
−HK$1,905/mo
Today · 4.125%
HK$73,789
baseline
▲ 0.50% · 4.625%
HK$77,678
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,578/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,416
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,320/mo
Today · 4.125%
HK$78,019
baseline
▲ 0.50% · 4.625%
HK$82,767
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,038/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,674
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,865
−HK$2,222/mo
Today · 4.125%
HK$86,087
baseline
▲ 0.50% · 4.625%
HK$90,625
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,174/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,392
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,328
−HK$2,983/mo
Today · 4.125%
HK$100,311
baseline
▲ 0.50% · 4.625%
HK$106,414
+HK$6,103/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,622/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,010
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,826
−HK$2,857/mo
Today · 4.125%
HK$110,683
baseline
▲ 0.50% · 4.625%
HK$116,517
+HK$5,834/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,366/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,386 · Scale 2, in force from 26 Feb 2026)