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$46,628
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,079
−HK$1,473/mo
Today · 4.125%
HK$49,552
baseline
▲ 0.50% · 4.625%
HK$52,568
+HK$3,016/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,104/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,874
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,265
−HK$1,411/mo
Today · 4.125%
HK$54,676
baseline
▲ 0.50% · 4.625%
HK$57,558
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,352/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,954
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,695
−HK$1,768/mo
Today · 4.125%
HK$59,463
baseline
▲ 0.50% · 4.625%
HK$63,081
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,926/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,248
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,918
−HK$1,693/mo
Today · 4.125%
HK$65,611
baseline
▲ 0.50% · 4.625%
HK$69,070
+HK$3,459/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,222/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,280
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,310
−HK$2,063/mo
Today · 4.125%
HK$69,373
baseline
▲ 0.50% · 4.625%
HK$73,595
+HK$4,222/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,746/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,623
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,571
−HK$1,976/mo
Today · 4.125%
HK$76,547
baseline
▲ 0.50% · 4.625%
HK$80,581
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,094/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,931
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,542
−HK$2,652/mo
Today · 4.125%
HK$89,194
baseline
▲ 0.50% · 4.625%
HK$94,622
+HK$5,428/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,388/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,372
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,877
−HK$2,540/mo
Today · 4.125%
HK$98,417
baseline
▲ 0.50% · 4.625%
HK$103,605
+HK$5,188/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,834/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,874 · Scale 2, in force from 26 Feb 2026)