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$50,665
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,241
−HK$1,601/mo
Today · 4.125%
HK$53,842
baseline
▲ 0.50% · 4.625%
HK$57,118
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,684/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,364
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,876
−HK$1,533/mo
Today · 4.125%
HK$59,409
baseline
▲ 0.50% · 4.625%
HK$62,541
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,818/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,798
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,689
−HK$1,921/mo
Today · 4.125%
HK$64,610
baseline
▲ 0.50% · 4.625%
HK$68,542
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,220/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,637
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,451
−HK$1,840/mo
Today · 4.125%
HK$71,291
baseline
▲ 0.50% · 4.625%
HK$75,049
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,582/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,931
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,137
−HK$2,242/mo
Today · 4.125%
HK$75,379
baseline
▲ 0.50% · 4.625%
HK$79,965
+HK$4,586/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$150,758/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,910
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,026
−HK$2,147/mo
Today · 4.125%
HK$83,173
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$4,384/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$166,346/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,197
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,034
−HK$2,882/mo
Today · 4.125%
HK$96,916
baseline
▲ 0.50% · 4.625%
HK$102,813
+HK$5,897/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,832/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,456
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,176
−HK$2,761/mo
Today · 4.125%
HK$106,937
baseline
▲ 0.50% · 4.625%
HK$112,574
+HK$5,637/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,874/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,305 · Scale 2, in force from 26 Feb 2026)