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$52,439
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,070
−HK$1,658/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$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,338
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,587/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$64,731
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,927
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,884
−HK$1,989/mo
Today · 4.125%
HK$66,873
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$4,069/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,746/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,006
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,883
−HK$1,905/mo
Today · 4.125%
HK$73,788
baseline
▲ 0.50% · 4.625%
HK$77,677
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,576/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,415
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,320/mo
Today · 4.125%
HK$78,019
baseline
▲ 0.50% · 4.625%
HK$82,766
+HK$4,747/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$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,673
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,864
−HK$2,222/mo
Today · 4.125%
HK$86,086
baseline
▲ 0.50% · 4.625%
HK$90,624
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,172/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,391
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,327
−HK$2,983/mo
Today · 4.125%
HK$100,310
baseline
▲ 0.50% · 4.625%
HK$106,413
+HK$6,103/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,620/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,009
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,825
−HK$2,857/mo
Today · 4.125%
HK$110,682
baseline
▲ 0.50% · 4.625%
HK$116,516
+HK$5,834/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,364/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,376 · Scale 2, in force from 26 Feb 2026)