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$52,432
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,063
−HK$1,657/mo
Today · 4.125%
HK$55,720
baseline
▲ 0.50% · 4.625%
HK$59,111
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,440/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,330
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,895
−HK$1,587/mo
Today · 4.125%
HK$61,482
baseline
▲ 0.50% · 4.625%
HK$64,723
+HK$3,241/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,964/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,919
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,988/mo
Today · 4.125%
HK$66,864
baseline
▲ 0.50% · 4.625%
HK$70,933
+HK$4,069/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,728/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,996
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,874
−HK$1,904/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$77,667
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,405
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,688
−HK$2,320/mo
Today · 4.125%
HK$78,008
baseline
▲ 0.50% · 4.625%
HK$82,755
+HK$4,747/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,016/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,662
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,853
−HK$2,221/mo
Today · 4.125%
HK$86,074
baseline
▲ 0.50% · 4.625%
HK$90,612
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,148/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,378
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,314
−HK$2,982/mo
Today · 4.125%
HK$100,296
baseline
▲ 0.50% · 4.625%
HK$106,399
+HK$6,103/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,592/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,995
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,811
−HK$2,856/mo
Today · 4.125%
HK$110,667
baseline
▲ 0.50% · 4.625%
HK$116,501
+HK$5,834/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,334/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,246 · Scale 2, in force from 26 Feb 2026)