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$52,447
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,078
−HK$1,658/mo
Today · 4.125%
HK$55,736
baseline
▲ 0.50% · 4.625%
HK$59,127
+HK$3,391/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$111,472/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,347
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,912
−HK$1,587/mo
Today · 4.125%
HK$61,499
baseline
▲ 0.50% · 4.625%
HK$64,741
+HK$3,242/mo
Deposit HK$11.50M · loan HK$11.50M · min. income ≈ HK$122,998/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,936
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,894
−HK$1,989/mo
Today · 4.125%
HK$66,883
baseline
▲ 0.50% · 4.625%
HK$70,953
+HK$4,070/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$133,766/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,016
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,894
−HK$1,905/mo
Today · 4.125%
HK$73,799
baseline
▲ 0.50% · 4.625%
HK$77,689
+HK$3,890/mo
Deposit HK$9.20M · loan HK$13.80M · min. income ≈ HK$147,598/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,426
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,710
−HK$2,320/mo
Today · 4.125%
HK$78,030
baseline
▲ 0.50% · 4.625%
HK$82,778
+HK$4,748/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$156,060/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,686
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,876
−HK$2,223/mo
Today · 4.125%
HK$86,099
baseline
▲ 0.50% · 4.625%
HK$90,637
+HK$4,538/mo
Deposit HK$6.90M · loan HK$16.10M · min. income ≈ HK$172,198/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,405
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,341
−HK$2,984/mo
Today · 4.125%
HK$100,325
baseline
▲ 0.50% · 4.625%
HK$106,429
+HK$6,104/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$200,650/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,024
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,841
−HK$2,857/mo
Today · 4.125%
HK$110,698
baseline
▲ 0.50% · 4.625%
HK$116,533
+HK$5,835/mo
Deposit HK$2.30M · loan HK$20.70M · min. income ≈ HK$221,396/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,522 · Scale 2, in force from 26 Feb 2026)