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$46,632
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,082
−HK$1,474/mo
Today · 4.125%
HK$49,556
baseline
▲ 0.50% · 4.625%
HK$52,571
+HK$3,015/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,112/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,877
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,412/mo
Today · 4.125%
HK$54,680
baseline
▲ 0.50% · 4.625%
HK$57,562
+HK$2,882/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,360/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,958
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,698
−HK$1,769/mo
Today · 4.125%
HK$59,467
baseline
▲ 0.50% · 4.625%
HK$63,085
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,934/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,253
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,922
−HK$1,694/mo
Today · 4.125%
HK$65,616
baseline
▲ 0.50% · 4.625%
HK$69,075
+HK$3,459/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,232/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,315
−HK$2,063/mo
Today · 4.125%
HK$69,378
baseline
▲ 0.50% · 4.625%
HK$73,600
+HK$4,222/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,756/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,628
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,576
−HK$1,976/mo
Today · 4.125%
HK$76,552
baseline
▲ 0.50% · 4.625%
HK$80,587
+HK$4,035/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,104/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,937
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,548
−HK$2,652/mo
Today · 4.125%
HK$89,200
baseline
▲ 0.50% · 4.625%
HK$94,628
+HK$5,428/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,400/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,379
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,883
−HK$2,541/mo
Today · 4.125%
HK$98,424
baseline
▲ 0.50% · 4.625%
HK$103,612
+HK$5,188/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,848/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,012 · Scale 2, in force from 26 Feb 2026)