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$50,683
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,259
−HK$1,602/mo
Today · 4.125%
HK$53,861
baseline
▲ 0.50% · 4.625%
HK$57,139
+HK$3,278/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,722/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,384
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,896
−HK$1,534/mo
Today · 4.125%
HK$59,430
baseline
▲ 0.50% · 4.625%
HK$62,563
+HK$3,133/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,860/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,819
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,711
−HK$1,922/mo
Today · 4.125%
HK$64,633
baseline
▲ 0.50% · 4.625%
HK$68,566
+HK$3,933/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,266/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,661
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,476
−HK$1,841/mo
Today · 4.125%
HK$71,317
baseline
▲ 0.50% · 4.625%
HK$75,076
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,634/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,956
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,163
−HK$2,243/mo
Today · 4.125%
HK$75,406
baseline
▲ 0.50% · 4.625%
HK$79,994
+HK$4,588/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,812/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,938
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,055
−HK$2,148/mo
Today · 4.125%
HK$83,203
baseline
▲ 0.50% · 4.625%
HK$87,588
+HK$4,385/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,406/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,229
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,067
−HK$2,883/mo
Today · 4.125%
HK$96,950
baseline
▲ 0.50% · 4.625%
HK$102,849
+HK$5,899/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,900/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,492
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,214
−HK$2,761/mo
Today · 4.125%
HK$106,975
baseline
▲ 0.50% · 4.625%
HK$112,614
+HK$5,639/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,950/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,642 · Scale 2, in force from 26 Feb 2026)