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$50,668
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,244
−HK$1,601/mo
Today · 4.125%
HK$53,845
baseline
▲ 0.50% · 4.625%
HK$57,122
+HK$3,277/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,690/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,367
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,879
−HK$1,534/mo
Today · 4.125%
HK$59,413
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,826/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,801
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,693
−HK$1,921/mo
Today · 4.125%
HK$64,614
baseline
▲ 0.50% · 4.625%
HK$68,546
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,228/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,641
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,455
−HK$1,840/mo
Today · 4.125%
HK$71,295
baseline
▲ 0.50% · 4.625%
HK$75,053
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,590/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,935
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,141
−HK$2,242/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,970
+HK$4,587/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,914
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,031
−HK$2,147/mo
Today · 4.125%
HK$83,178
baseline
▲ 0.50% · 4.625%
HK$87,562
+HK$4,384/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$166,356/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,202
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,039
−HK$2,882/mo
Today · 4.125%
HK$96,921
baseline
▲ 0.50% · 4.625%
HK$102,819
+HK$5,898/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,842/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,461
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,183
−HK$2,760/mo
Today · 4.125%
HK$106,943
baseline
▲ 0.50% · 4.625%
HK$112,580
+HK$5,637/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,886/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,361 · Scale 2, in force from 26 Feb 2026)