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$46,709
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,162
−HK$1,476/mo
Today · 4.125%
HK$49,638
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,276/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,357
−HK$1,414/mo
Today · 4.125%
HK$54,771
baseline
▲ 0.50% · 4.625%
HK$57,658
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,542/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,051
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,794
−HK$1,772/mo
Today · 4.125%
HK$59,566
baseline
▲ 0.50% · 4.625%
HK$63,190
+HK$3,624/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,132/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,356
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,028
−HK$1,697/mo
Today · 4.125%
HK$65,725
baseline
▲ 0.50% · 4.625%
HK$69,189
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,450/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,393
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,427
−HK$2,066/mo
Today · 4.125%
HK$69,493
baseline
▲ 0.50% · 4.625%
HK$73,722
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$138,986/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,749
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,700
−HK$1,979/mo
Today · 4.125%
HK$76,679
baseline
▲ 0.50% · 4.625%
HK$80,721
+HK$4,042/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,358/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,076
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,692
−HK$2,657/mo
Today · 4.125%
HK$89,349
baseline
▲ 0.50% · 4.625%
HK$94,785
+HK$5,436/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,698/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,534
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,043
−HK$2,544/mo
Today · 4.125%
HK$98,587
baseline
▲ 0.50% · 4.625%
HK$103,784
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,174/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,414 · Scale 2, in force from 26 Feb 2026)