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$46,706
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,476/mo
Today · 4.125%
HK$49,635
baseline
▲ 0.50% · 4.625%
HK$52,655
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,270/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,960
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,354
−HK$1,413/mo
Today · 4.125%
HK$54,767
baseline
▲ 0.50% · 4.625%
HK$57,654
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,534/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,047
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,791
−HK$1,771/mo
Today · 4.125%
HK$59,562
baseline
▲ 0.50% · 4.625%
HK$63,186
+HK$3,624/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,124/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,352
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,024
−HK$1,697/mo
Today · 4.125%
HK$65,721
baseline
▲ 0.50% · 4.625%
HK$69,185
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,442/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,389
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,423
−HK$2,066/mo
Today · 4.125%
HK$69,489
baseline
▲ 0.50% · 4.625%
HK$73,717
+HK$4,228/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$138,978/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,744
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,695
−HK$1,979/mo
Today · 4.125%
HK$76,674
baseline
▲ 0.50% · 4.625%
HK$80,716
+HK$4,042/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$153,348/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,071
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,686
−HK$2,657/mo
Today · 4.125%
HK$89,343
baseline
▲ 0.50% · 4.625%
HK$94,779
+HK$5,436/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,686/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,528
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,037
−HK$2,544/mo
Today · 4.125%
HK$98,581
baseline
▲ 0.50% · 4.625%
HK$103,778
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,162/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,284 · Scale 2, in force from 26 Feb 2026)