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$46,677
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,129
−HK$1,475/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$3,018/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,927
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,320
−HK$1,413/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$57,618
+HK$2,885/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,012
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,754
−HK$1,770/mo
Today · 4.125%
HK$59,524
baseline
▲ 0.50% · 4.625%
HK$63,146
+HK$3,622/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,048/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,313
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,984
−HK$1,695/mo
Today · 4.125%
HK$65,679
baseline
▲ 0.50% · 4.625%
HK$69,141
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,358/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,347
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,380
−HK$2,065/mo
Today · 4.125%
HK$69,445
baseline
▲ 0.50% · 4.625%
HK$73,671
+HK$4,226/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,890/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,698
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,648
−HK$1,978/mo
Today · 4.125%
HK$76,626
baseline
▲ 0.50% · 4.625%
HK$80,665
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,252/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,018
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,631
−HK$2,656/mo
Today · 4.125%
HK$89,287
baseline
▲ 0.50% · 4.625%
HK$94,719
+HK$5,432/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,574/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,469
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,976
−HK$2,543/mo
Today · 4.125%
HK$98,519
baseline
▲ 0.50% · 4.625%
HK$103,712
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,038/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,990 · Scale 2, in force from 26 Feb 2026)