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$52,446
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,077
−HK$1,657/mo
Today · 4.125%
HK$55,734
baseline
▲ 0.50% · 4.625%
HK$59,126
+HK$3,392/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$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,345
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,910
−HK$1,587/mo
Today · 4.125%
HK$61,497
baseline
▲ 0.50% · 4.625%
HK$64,739
+HK$3,242/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$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,935
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,892
−HK$1,989/mo
Today · 4.125%
HK$66,881
baseline
▲ 0.50% · 4.625%
HK$70,951
+HK$4,070/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,762/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,014
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,892
−HK$1,905/mo
Today · 4.125%
HK$73,797
baseline
▲ 0.50% · 4.625%
HK$77,687
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,594/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,424
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,708
−HK$2,320/mo
Today · 4.125%
HK$78,028
baseline
▲ 0.50% · 4.625%
HK$82,776
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,056/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,683
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,874
−HK$2,222/mo
Today · 4.125%
HK$86,096
baseline
▲ 0.50% · 4.625%
HK$90,635
+HK$4,539/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,192/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,402
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,339
−HK$2,983/mo
Today · 4.125%
HK$100,322
baseline
▲ 0.50% · 4.625%
HK$106,426
+HK$6,104/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,644/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,021
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,838
−HK$2,857/mo
Today · 4.125%
HK$110,695
baseline
▲ 0.50% · 4.625%
HK$116,530
+HK$5,835/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,390/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,495 · Scale 2, in force from 26 Feb 2026)