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$46,289
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,728
−HK$1,463/mo
Today · 4.125%
HK$49,191
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,382/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,496
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,877
−HK$1,401/mo
Today · 4.125%
HK$54,278
baseline
▲ 0.50% · 4.625%
HK$57,139
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,556/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,546
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,274
−HK$1,756/mo
Today · 4.125%
HK$59,030
baseline
▲ 0.50% · 4.625%
HK$62,621
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,060/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,795
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,452
−HK$1,681/mo
Today · 4.125%
HK$65,133
baseline
▲ 0.50% · 4.625%
HK$68,567
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,266/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,804
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,820
−HK$2,048/mo
Today · 4.125%
HK$68,868
baseline
▲ 0.50% · 4.625%
HK$73,058
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,736/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,094
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,027
−HK$1,962/mo
Today · 4.125%
HK$75,989
baseline
▲ 0.50% · 4.625%
HK$79,994
+HK$4,005/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,978/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,320
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,911
−HK$2,633/mo
Today · 4.125%
HK$88,544
baseline
▲ 0.50% · 4.625%
HK$93,932
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,692
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,178
−HK$2,522/mo
Today · 4.125%
HK$97,700
baseline
▲ 0.50% · 4.625%
HK$102,850
+HK$5,150/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,400/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,975 · Scale 2, in force from 26 Feb 2026)