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$46,664
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,116
−HK$1,475/mo
Today · 4.125%
HK$49,591
baseline
▲ 0.50% · 4.625%
HK$52,608
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,182/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,914
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,306
−HK$1,412/mo
Today · 4.125%
HK$54,718
baseline
▲ 0.50% · 4.625%
HK$57,603
+HK$2,885/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,436/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,997
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,739
−HK$1,770/mo
Today · 4.125%
HK$59,509
baseline
▲ 0.50% · 4.625%
HK$63,130
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,018/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,296
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,967
−HK$1,695/mo
Today · 4.125%
HK$65,662
baseline
▲ 0.50% · 4.625%
HK$69,123
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,324/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,362
−HK$2,065/mo
Today · 4.125%
HK$69,427
baseline
▲ 0.50% · 4.625%
HK$73,651
+HK$4,224/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,854/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,679
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,628
−HK$1,978/mo
Today · 4.125%
HK$76,606
baseline
▲ 0.50% · 4.625%
HK$80,644
+HK$4,038/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,212/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,996
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,609
−HK$2,654/mo
Today · 4.125%
HK$89,263
baseline
▲ 0.50% · 4.625%
HK$94,695
+HK$5,432/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,526/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,445
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,951
−HK$2,542/mo
Today · 4.125%
HK$98,493
baseline
▲ 0.50% · 4.625%
HK$103,685
+HK$5,192/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$196,986/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,454 · Scale 2, in force from 26 Feb 2026)