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$46,558
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,007
−HK$1,471/mo
Today · 4.125%
HK$49,478
baseline
▲ 0.50% · 4.625%
HK$52,489
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,956/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,796
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,185
−HK$1,409/mo
Today · 4.125%
HK$54,594
baseline
▲ 0.50% · 4.625%
HK$57,472
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,188/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,870
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,608
−HK$1,765/mo
Today · 4.125%
HK$59,373
baseline
▲ 0.50% · 4.625%
HK$62,986
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,746/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,155
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,822
−HK$1,691/mo
Today · 4.125%
HK$65,513
baseline
▲ 0.50% · 4.625%
HK$68,966
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,026/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,182
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$2,060/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$73,484
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,514
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,459
−HK$1,973/mo
Today · 4.125%
HK$76,432
baseline
▲ 0.50% · 4.625%
HK$80,460
+HK$4,028/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,864/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,805
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,412
−HK$2,648/mo
Today · 4.125%
HK$89,060
baseline
▲ 0.50% · 4.625%
HK$94,479
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,120/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,232
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,733
−HK$2,536/mo
Today · 4.125%
HK$98,269
baseline
▲ 0.50% · 4.625%
HK$103,449
+HK$5,180/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,538/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,800 · Scale 2, in force from 26 Feb 2026)