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$52,457
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,089
−HK$1,657/mo
Today · 4.125%
HK$55,746
baseline
▲ 0.50% · 4.625%
HK$59,138
+HK$3,392/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,492/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,358
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,588/mo
Today · 4.125%
HK$61,511
baseline
▲ 0.50% · 4.625%
HK$64,753
+HK$3,242/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$123,022/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,948
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,906
−HK$1,990/mo
Today · 4.125%
HK$66,896
baseline
▲ 0.50% · 4.625%
HK$70,966
+HK$4,070/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,792/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,029
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,907
−HK$1,906/mo
Today · 4.125%
HK$73,813
baseline
▲ 0.50% · 4.625%
HK$77,704
+HK$3,891/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,626/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,440
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,321/mo
Today · 4.125%
HK$78,045
baseline
▲ 0.50% · 4.625%
HK$82,794
+HK$4,749/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,090/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,701
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,892
−HK$2,223/mo
Today · 4.125%
HK$86,115
baseline
▲ 0.50% · 4.625%
HK$90,654
+HK$4,539/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,230/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,422
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,359
−HK$2,985/mo
Today · 4.125%
HK$100,344
baseline
▲ 0.50% · 4.625%
HK$106,449
+HK$6,105/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,688/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,044
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,861
−HK$2,858/mo
Today · 4.125%
HK$110,719
baseline
▲ 0.50% · 4.625%
HK$116,555
+HK$5,836/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,438/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,705 · Scale 2, in force from 26 Feb 2026)