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$52,429
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,060
−HK$1,657/mo
Today · 4.125%
HK$55,717
baseline
▲ 0.50% · 4.625%
HK$59,107
+HK$3,390/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,434/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,327
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,892
−HK$1,586/mo
Today · 4.125%
HK$61,478
baseline
▲ 0.50% · 4.625%
HK$64,719
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,956/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,915
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,872
−HK$1,989/mo
Today · 4.125%
HK$66,861
baseline
▲ 0.50% · 4.625%
HK$70,929
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,722/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,993
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,870
−HK$1,904/mo
Today · 4.125%
HK$73,774
baseline
▲ 0.50% · 4.625%
HK$77,663
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,548/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,401
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,684
−HK$2,320/mo
Today · 4.125%
HK$78,004
baseline
▲ 0.50% · 4.625%
HK$82,750
+HK$4,746/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$156,008/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,658
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,848
−HK$2,222/mo
Today · 4.125%
HK$86,070
baseline
▲ 0.50% · 4.625%
HK$90,607
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,140/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,373
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,309
−HK$2,982/mo
Today · 4.125%
HK$100,291
baseline
▲ 0.50% · 4.625%
HK$106,393
+HK$6,102/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,582/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,989
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,805
−HK$2,856/mo
Today · 4.125%
HK$110,661
baseline
▲ 0.50% · 4.625%
HK$116,494
+HK$5,833/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,322/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,194 · Scale 2, in force from 26 Feb 2026)