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$46,699
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,151
−HK$1,476/mo
Today · 4.125%
HK$49,627
baseline
▲ 0.50% · 4.625%
HK$52,647
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,254/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,952
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,345
−HK$1,413/mo
Today · 4.125%
HK$54,758
baseline
▲ 0.50% · 4.625%
HK$57,645
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,516/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,038
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,781
−HK$1,771/mo
Today · 4.125%
HK$59,552
baseline
▲ 0.50% · 4.625%
HK$63,176
+HK$3,624/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,104/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,342
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,014
−HK$1,696/mo
Today · 4.125%
HK$65,710
baseline
▲ 0.50% · 4.625%
HK$69,174
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,420/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,378
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,412
−HK$2,066/mo
Today · 4.125%
HK$69,478
baseline
▲ 0.50% · 4.625%
HK$73,705
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$138,956/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,732
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,683
−HK$1,979/mo
Today · 4.125%
HK$76,662
baseline
▲ 0.50% · 4.625%
HK$80,703
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$153,324/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,057
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,672
−HK$2,656/mo
Today · 4.125%
HK$89,328
baseline
▲ 0.50% · 4.625%
HK$94,764
+HK$5,436/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,656/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,513
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,021
−HK$2,544/mo
Today · 4.125%
HK$98,565
baseline
▲ 0.50% · 4.625%
HK$103,761
+HK$5,196/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,130/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,950 · Scale 2, in force from 26 Feb 2026)