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$46,716
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,169
−HK$1,477/mo
Today · 4.125%
HK$49,646
baseline
▲ 0.50% · 4.625%
HK$52,667
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,292/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,971
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,365
−HK$1,414/mo
Today · 4.125%
HK$54,779
baseline
▲ 0.50% · 4.625%
HK$57,667
+HK$2,888/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,558/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,772/mo
Today · 4.125%
HK$59,575
baseline
▲ 0.50% · 4.625%
HK$63,200
+HK$3,625/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,150/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,366
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,038
−HK$1,697/mo
Today · 4.125%
HK$65,735
baseline
▲ 0.50% · 4.625%
HK$69,200
+HK$3,465/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,470/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,403
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,437
−HK$2,067/mo
Today · 4.125%
HK$69,504
baseline
▲ 0.50% · 4.625%
HK$73,733
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,008/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,760
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,711
−HK$1,980/mo
Today · 4.125%
HK$76,691
baseline
▲ 0.50% · 4.625%
HK$80,733
+HK$4,042/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,382/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,089
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,705
−HK$2,657/mo
Today · 4.125%
HK$89,362
baseline
▲ 0.50% · 4.625%
HK$94,800
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,724/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,548
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,057
−HK$2,545/mo
Today · 4.125%
HK$98,602
baseline
▲ 0.50% · 4.625%
HK$103,800
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,204/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,726 · Scale 2, in force from 26 Feb 2026)