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$46,639
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,089
−HK$1,474/mo
Today · 4.125%
HK$49,563
baseline
▲ 0.50% · 4.625%
HK$52,579
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,126/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,885
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,276
−HK$1,412/mo
Today · 4.125%
HK$54,688
baseline
▲ 0.50% · 4.625%
HK$57,571
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,376/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,966
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,769/mo
Today · 4.125%
HK$59,476
baseline
▲ 0.50% · 4.625%
HK$63,095
+HK$3,619/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,952/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,262
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,932
−HK$1,694/mo
Today · 4.125%
HK$65,626
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,459/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,252/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,294
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,325
−HK$2,063/mo
Today · 4.125%
HK$69,388
baseline
▲ 0.50% · 4.625%
HK$73,611
+HK$4,223/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,776/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,639
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,587
−HK$1,976/mo
Today · 4.125%
HK$76,563
baseline
▲ 0.50% · 4.625%
HK$80,599
+HK$4,036/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,126/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,949
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,561
−HK$2,653/mo
Today · 4.125%
HK$89,214
baseline
▲ 0.50% · 4.625%
HK$94,642
+HK$5,428/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,428/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,393
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,898
−HK$2,541/mo
Today · 4.125%
HK$98,439
baseline
▲ 0.50% · 4.625%
HK$103,627
+HK$5,188/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,878/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,320 · Scale 2, in force from 26 Feb 2026)