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$2,927/mo
▼ 0.25% · 3.875%
HK$48,123
−HK$1,475/mo
Today · 4.125%
HK$49,598
baseline
▲ 0.50% · 4.625%
HK$52,616
+HK$3,018/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,196/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,921
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,314
−HK$1,412/mo
Today · 4.125%
HK$54,726
baseline
▲ 0.50% · 4.625%
HK$57,611
+HK$2,885/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$796,748 · 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$63,139
+HK$3,622/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$796,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,976
−HK$1,696/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,133
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,340
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,372
−HK$2,065/mo
Today · 4.125%
HK$69,437
baseline
▲ 0.50% · 4.625%
HK$73,662
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,874/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,690
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,639
−HK$1,978/mo
Today · 4.125%
HK$76,617
baseline
▲ 0.50% · 4.625%
HK$80,655
+HK$4,038/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,234/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,008
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,621
−HK$2,655/mo
Today · 4.125%
HK$89,276
baseline
▲ 0.50% · 4.625%
HK$94,708
+HK$5,432/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,552/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,458
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,965
−HK$2,542/mo
Today · 4.125%
HK$98,507
baseline
▲ 0.50% · 4.625%
HK$103,700
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,014/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,748 · Scale 2, in force from 26 Feb 2026)