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$50,670
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,246
−HK$1,601/mo
Today · 4.125%
HK$53,847
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,694/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,369
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,881
−HK$1,534/mo
Today · 4.125%
HK$59,415
baseline
▲ 0.50% · 4.625%
HK$62,547
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,830/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,803
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,921/mo
Today · 4.125%
HK$64,616
baseline
▲ 0.50% · 4.625%
HK$68,548
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,232/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,643
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,457
−HK$1,841/mo
Today · 4.125%
HK$71,298
baseline
▲ 0.50% · 4.625%
HK$75,056
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,596/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,937
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$2,242/mo
Today · 4.125%
HK$75,386
baseline
▲ 0.50% · 4.625%
HK$79,973
+HK$4,587/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$150,772/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,917
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,034
−HK$2,147/mo
Today · 4.125%
HK$83,181
baseline
▲ 0.50% · 4.625%
HK$87,565
+HK$4,384/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$166,362/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,205
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,042
−HK$2,883/mo
Today · 4.125%
HK$96,925
baseline
▲ 0.50% · 4.625%
HK$102,822
+HK$5,897/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,850/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,465
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,186
−HK$2,761/mo
Today · 4.125%
HK$106,947
baseline
▲ 0.50% · 4.625%
HK$112,584
+HK$5,637/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,894/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,393 · Scale 2, in force from 26 Feb 2026)