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$50,672
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,248
−HK$1,601/mo
Today · 4.125%
HK$53,849
baseline
▲ 0.50% · 4.625%
HK$57,126
+HK$3,277/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,698/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,372
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,884
−HK$1,533/mo
Today · 4.125%
HK$59,417
baseline
▲ 0.50% · 4.625%
HK$62,549
+HK$3,132/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,834/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,698
−HK$1,921/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,551
+HK$3,932/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,646
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$1,841/mo
Today · 4.125%
HK$71,301
baseline
▲ 0.50% · 4.625%
HK$75,059
+HK$3,758/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,602/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,940
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,147
−HK$2,242/mo
Today · 4.125%
HK$75,389
baseline
▲ 0.50% · 4.625%
HK$79,976
+HK$4,587/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,778/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,921
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,037
−HK$2,147/mo
Today · 4.125%
HK$83,184
baseline
▲ 0.50% · 4.625%
HK$87,569
+HK$4,385/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,368/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,209
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,046
−HK$2,883/mo
Today · 4.125%
HK$96,929
baseline
▲ 0.50% · 4.625%
HK$102,827
+HK$5,898/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$193,858/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,469
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,191
−HK$2,760/mo
Today · 4.125%
HK$106,951
baseline
▲ 0.50% · 4.625%
HK$112,589
+HK$5,638/mo
Deposit HK$2.22M · loan HK$20.00M · min. income ≈ HK$213,902/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,434 · Scale 2, in force from 26 Feb 2026)