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$3,178/mo
▼ 0.25% · 3.875%
HK$52,246
−HK$1,602/mo
Today · 4.125%
HK$53,848
baseline
▲ 0.50% · 4.625%
HK$57,124
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,696/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,370
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,882
−HK$1,534/mo
Today · 4.125%
HK$59,416
baseline
▲ 0.50% · 4.625%
HK$62,548
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,832/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,804
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,696
−HK$1,921/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,549
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,644
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,458
−HK$1,841/mo
Today · 4.125%
HK$71,299
baseline
▲ 0.50% · 4.625%
HK$75,057
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,598/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,938
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,145
−HK$2,242/mo
Today · 4.125%
HK$75,387
baseline
▲ 0.50% · 4.625%
HK$79,974
+HK$4,587/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$150,774/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,918
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,035
−HK$2,147/mo
Today · 4.125%
HK$83,182
baseline
▲ 0.50% · 4.625%
HK$87,567
+HK$4,385/mo
Deposit HK$6.67M · loan HK$15.55M · min. income ≈ HK$166,364/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,207
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,044
−HK$2,882/mo
Today · 4.125%
HK$96,926
baseline
▲ 0.50% · 4.625%
HK$102,824
+HK$5,898/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,852/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,466
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,188
−HK$2,760/mo
Today · 4.125%
HK$106,948
baseline
▲ 0.50% · 4.625%
HK$112,586
+HK$5,638/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,896/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,407 · Scale 2, in force from 26 Feb 2026)