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$50,681
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,258
−HK$1,601/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$57,136
+HK$3,277/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,534/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$62,561
+HK$3,133/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,817
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,709
−HK$1,922/mo
Today · 4.125%
HK$64,631
baseline
▲ 0.50% · 4.625%
HK$68,564
+HK$3,933/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,262/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,659
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,473
−HK$1,841/mo
Today · 4.125%
HK$71,314
baseline
▲ 0.50% · 4.625%
HK$75,073
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,628/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,954
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,161
−HK$2,242/mo
Today · 4.125%
HK$75,403
baseline
▲ 0.50% · 4.625%
HK$79,991
+HK$4,588/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,806/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,935
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,052
−HK$2,148/mo
Today · 4.125%
HK$83,200
baseline
▲ 0.50% · 4.625%
HK$87,585
+HK$4,385/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,400/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,226
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,064
−HK$2,883/mo
Today · 4.125%
HK$96,947
baseline
▲ 0.50% · 4.625%
HK$102,846
+HK$5,899/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,894/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,488
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,210
−HK$2,761/mo
Today · 4.125%
HK$106,971
baseline
▲ 0.50% · 4.625%
HK$112,610
+HK$5,639/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,942/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,608 · Scale 2, in force from 26 Feb 2026)