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$50,671
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,247
−HK$1,602/mo
Today · 4.125%
HK$53,849
baseline
▲ 0.50% · 4.625%
HK$57,125
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,698/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,371
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,883
−HK$1,534/mo
Today · 4.125%
HK$59,417
baseline
▲ 0.50% · 4.625%
HK$62,549
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,834/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,697
−HK$1,922/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,550
+HK$3,931/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,646
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$1,840/mo
Today · 4.125%
HK$71,300
baseline
▲ 0.50% · 4.625%
HK$75,059
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,600/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,940
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,146
−HK$2,242/mo
Today · 4.125%
HK$75,388
baseline
▲ 0.50% · 4.625%
HK$79,976
+HK$4,588/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,776/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,920
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,036
−HK$2,148/mo
Today · 4.125%
HK$83,184
baseline
▲ 0.50% · 4.625%
HK$87,568
+HK$4,384/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,368/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,208
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,045
−HK$2,883/mo
Today · 4.125%
HK$96,928
baseline
▲ 0.50% · 4.625%
HK$102,826
+HK$5,898/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,856/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,468
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,190
−HK$2,760/mo
Today · 4.125%
HK$106,950
baseline
▲ 0.50% · 4.625%
HK$112,588
+HK$5,638/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,900/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,425 · Scale 2, in force from 26 Feb 2026)