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$46,650
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,101
−HK$1,474/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,592
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,898
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,412/mo
Today · 4.125%
HK$54,701
baseline
▲ 0.50% · 4.625%
HK$57,585
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,402/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,980
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,721
−HK$1,769/mo
Today · 4.125%
HK$59,490
baseline
▲ 0.50% · 4.625%
HK$63,110
+HK$3,620/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,980/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,277
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,947
−HK$1,695/mo
Today · 4.125%
HK$65,642
baseline
▲ 0.50% · 4.625%
HK$69,102
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,284/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,310
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,341
−HK$2,064/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,629
+HK$4,224/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,657
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$1,977/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$80,619
+HK$4,037/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,970
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,582
−HK$2,653/mo
Today · 4.125%
HK$89,235
baseline
▲ 0.50% · 4.625%
HK$94,665
+HK$5,430/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,470/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,416
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,921
−HK$2,542/mo
Today · 4.125%
HK$98,463
baseline
▲ 0.50% · 4.625%
HK$103,653
+HK$5,190/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,926/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,818 · Scale 2, in force from 26 Feb 2026)