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$46,688
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,141
−HK$1,475/mo
Today · 4.125%
HK$49,616
baseline
▲ 0.50% · 4.625%
HK$52,635
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,232/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,940
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,333
−HK$1,413/mo
Today · 4.125%
HK$54,746
baseline
▲ 0.50% · 4.625%
HK$57,632
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,492/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,026
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,769
−HK$1,770/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$63,162
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,328
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,000
−HK$1,696/mo
Today · 4.125%
HK$65,696
baseline
▲ 0.50% · 4.625%
HK$69,159
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,392/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,364
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,397
−HK$2,065/mo
Today · 4.125%
HK$69,462
baseline
▲ 0.50% · 4.625%
HK$73,689
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,924/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,716
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,666
−HK$1,979/mo
Today · 4.125%
HK$76,645
baseline
▲ 0.50% · 4.625%
HK$80,685
+HK$4,040/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,290/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,039
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,653
−HK$2,656/mo
Today · 4.125%
HK$89,309
baseline
▲ 0.50% · 4.625%
HK$94,743
+HK$5,434/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,618/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,492
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,000
−HK$2,543/mo
Today · 4.125%
HK$98,543
baseline
▲ 0.50% · 4.625%
HK$103,738
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,086/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,500 · Scale 2, in force from 26 Feb 2026)