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$52,445
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,076
−HK$1,658/mo
Today · 4.125%
HK$55,734
baseline
▲ 0.50% · 4.625%
HK$59,125
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,468/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,344
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,909
−HK$1,588/mo
Today · 4.125%
HK$61,497
baseline
▲ 0.50% · 4.625%
HK$64,738
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,994/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,934
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,891
−HK$1,989/mo
Today · 4.125%
HK$66,880
baseline
▲ 0.50% · 4.625%
HK$70,950
+HK$4,070/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,760/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,013
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,891
−HK$1,905/mo
Today · 4.125%
HK$73,796
baseline
▲ 0.50% · 4.625%
HK$77,686
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,592/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,423
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,707
−HK$2,320/mo
Today · 4.125%
HK$78,027
baseline
▲ 0.50% · 4.625%
HK$82,775
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,054/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,682
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,873
−HK$2,222/mo
Today · 4.125%
HK$86,095
baseline
▲ 0.50% · 4.625%
HK$90,633
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,190/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,401
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,337
−HK$2,984/mo
Today · 4.125%
HK$100,321
baseline
▲ 0.50% · 4.625%
HK$106,425
+HK$6,104/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,642/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,020
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,837
−HK$2,857/mo
Today · 4.125%
HK$110,694
baseline
▲ 0.50% · 4.625%
HK$116,529
+HK$5,835/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,388/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,482 · Scale 2, in force from 26 Feb 2026)