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$46,717
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,170
−HK$1,476/mo
Today · 4.125%
HK$49,646
baseline
▲ 0.50% · 4.625%
HK$52,667
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,292/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,972
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,366
−HK$1,414/mo
Today · 4.125%
HK$54,780
baseline
▲ 0.50% · 4.625%
HK$57,667
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,560/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,060
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,804
−HK$1,772/mo
Today · 4.125%
HK$59,576
baseline
▲ 0.50% · 4.625%
HK$63,201
+HK$3,625/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$119,152/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,366
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,697/mo
Today · 4.125%
HK$65,736
baseline
▲ 0.50% · 4.625%
HK$69,201
+HK$3,465/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$131,472/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,404
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,438
−HK$2,067/mo
Today · 4.125%
HK$69,505
baseline
▲ 0.50% · 4.625%
HK$73,734
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,010/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,761
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,712
−HK$1,980/mo
Today · 4.125%
HK$76,692
baseline
▲ 0.50% · 4.625%
HK$80,734
+HK$4,042/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,384/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,090
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,706
−HK$2,658/mo
Today · 4.125%
HK$89,364
baseline
▲ 0.50% · 4.625%
HK$94,801
+HK$5,437/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,728/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,550
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,059
−HK$2,545/mo
Today · 4.125%
HK$98,604
baseline
▲ 0.50% · 4.625%
HK$103,801
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,208/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,756 · Scale 2, in force from 26 Feb 2026)