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$46,671
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,122
−HK$1,475/mo
Today · 4.125%
HK$49,597
baseline
▲ 0.50% · 4.625%
HK$52,615
+HK$3,018/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,194/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,921
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,313
−HK$1,413/mo
Today · 4.125%
HK$54,726
baseline
▲ 0.50% · 4.625%
HK$57,610
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,452/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,005
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,747
−HK$1,770/mo
Today · 4.125%
HK$59,517
baseline
▲ 0.50% · 4.625%
HK$63,138
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,034/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,976
−HK$1,695/mo
Today · 4.125%
HK$65,671
baseline
▲ 0.50% · 4.625%
HK$69,132
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,342/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,339
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,371
−HK$2,065/mo
Today · 4.125%
HK$69,436
baseline
▲ 0.50% · 4.625%
HK$73,661
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,872/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,689
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,638
−HK$1,978/mo
Today · 4.125%
HK$76,616
baseline
▲ 0.50% · 4.625%
HK$80,655
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,232/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,007
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,620
−HK$2,655/mo
Today · 4.125%
HK$89,275
baseline
▲ 0.50% · 4.625%
HK$94,707
+HK$5,432/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,550/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,457
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,964
−HK$2,542/mo
Today · 4.125%
HK$98,506
baseline
▲ 0.50% · 4.625%
HK$103,699
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,012/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,727 · Scale 2, in force from 26 Feb 2026)