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$50,678
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,254
−HK$1,602/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$57,133
+HK$3,277/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,379
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,891
−HK$1,534/mo
Today · 4.125%
HK$59,425
baseline
▲ 0.50% · 4.625%
HK$62,557
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,850/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,813
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,705
−HK$1,922/mo
Today · 4.125%
HK$64,627
baseline
▲ 0.50% · 4.625%
HK$68,559
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,254/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,654
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,469
−HK$1,840/mo
Today · 4.125%
HK$71,309
baseline
▲ 0.50% · 4.625%
HK$75,068
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,618/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,949
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,156
−HK$2,242/mo
Today · 4.125%
HK$75,398
baseline
▲ 0.50% · 4.625%
HK$79,986
+HK$4,588/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,796/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,930
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,047
−HK$2,147/mo
Today · 4.125%
HK$83,194
baseline
▲ 0.50% · 4.625%
HK$87,580
+HK$4,386/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,388/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,220
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,058
−HK$2,882/mo
Today · 4.125%
HK$96,940
baseline
▲ 0.50% · 4.625%
HK$102,839
+HK$5,899/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,880/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,481
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,203
−HK$2,761/mo
Today · 4.125%
HK$106,964
baseline
▲ 0.50% · 4.625%
HK$112,602
+HK$5,638/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,928/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,547 · Scale 2, in force from 26 Feb 2026)