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$50,674
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,250
−HK$1,602/mo
Today · 4.125%
HK$53,852
baseline
▲ 0.50% · 4.625%
HK$57,128
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,704/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,374
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,886
−HK$1,534/mo
Today · 4.125%
HK$59,420
baseline
▲ 0.50% · 4.625%
HK$62,552
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,840/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,809
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,700
−HK$1,922/mo
Today · 4.125%
HK$64,622
baseline
▲ 0.50% · 4.625%
HK$68,554
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,244/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,649
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,463
−HK$1,841/mo
Today · 4.125%
HK$71,304
baseline
▲ 0.50% · 4.625%
HK$75,062
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,608/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,943
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,150
−HK$2,242/mo
Today · 4.125%
HK$75,392
baseline
▲ 0.50% · 4.625%
HK$79,980
+HK$4,588/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,784/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,924
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,040
−HK$2,148/mo
Today · 4.125%
HK$83,188
baseline
▲ 0.50% · 4.625%
HK$87,573
+HK$4,385/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,376/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,213
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,050
−HK$2,883/mo
Today · 4.125%
HK$96,933
baseline
▲ 0.50% · 4.625%
HK$102,831
+HK$5,898/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,866/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,473
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,195
−HK$2,761/mo
Today · 4.125%
HK$106,956
baseline
▲ 0.50% · 4.625%
HK$112,594
+HK$5,638/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,912/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,472 · Scale 2, in force from 26 Feb 2026)