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$46,722
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,175
−HK$1,477/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,673
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,978
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,414/mo
Today · 4.125%
HK$54,786
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$2,888/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,572/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,066
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,810
−HK$1,772/mo
Today · 4.125%
HK$59,582
baseline
▲ 0.50% · 4.625%
HK$63,208
+HK$3,626/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$119,164/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,373
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,046
−HK$1,697/mo
Today · 4.125%
HK$65,743
baseline
▲ 0.50% · 4.625%
HK$69,208
+HK$3,465/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$131,486/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,411
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,445
−HK$2,068/mo
Today · 4.125%
HK$69,513
baseline
▲ 0.50% · 4.625%
HK$73,742
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,026/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,769
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$1,980/mo
Today · 4.125%
HK$76,700
baseline
▲ 0.50% · 4.625%
HK$80,743
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,400/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,099
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,715
−HK$2,658/mo
Today · 4.125%
HK$89,373
baseline
▲ 0.50% · 4.625%
HK$94,811
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,746/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,560
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,069
−HK$2,546/mo
Today · 4.125%
HK$98,615
baseline
▲ 0.50% · 4.625%
HK$103,813
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,230/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,977 · Scale 2, in force from 26 Feb 2026)