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$46,713
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,477/mo
Today · 4.125%
HK$49,643
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,286/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,968
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,362
−HK$1,414/mo
Today · 4.125%
HK$54,776
baseline
▲ 0.50% · 4.625%
HK$57,663
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,552/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,056
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,800
−HK$1,771/mo
Today · 4.125%
HK$59,571
baseline
▲ 0.50% · 4.625%
HK$63,196
+HK$3,625/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,142/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,362
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,034
−HK$1,697/mo
Today · 4.125%
HK$65,731
baseline
▲ 0.50% · 4.625%
HK$69,196
+HK$3,465/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,462/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,399
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,433
−HK$2,067/mo
Today · 4.125%
HK$69,500
baseline
▲ 0.50% · 4.625%
HK$73,729
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,000/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,707
−HK$1,979/mo
Today · 4.125%
HK$76,686
baseline
▲ 0.50% · 4.625%
HK$80,728
+HK$4,042/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,372/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,084
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,700
−HK$2,657/mo
Today · 4.125%
HK$89,357
baseline
▲ 0.50% · 4.625%
HK$94,794
+HK$5,437/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,714/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,543
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,051
−HK$2,545/mo
Today · 4.125%
HK$98,596
baseline
▲ 0.50% · 4.625%
HK$103,794
+HK$5,198/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,192/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,602 · Scale 2, in force from 26 Feb 2026)