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$46,675
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,475/mo
Today · 4.125%
HK$49,602
baseline
▲ 0.50% · 4.625%
HK$52,620
+HK$3,018/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,204/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,926
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,318
−HK$1,413/mo
Today · 4.125%
HK$54,731
baseline
▲ 0.50% · 4.625%
HK$57,616
+HK$2,885/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,462/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,010
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,753
−HK$1,770/mo
Today · 4.125%
HK$59,523
baseline
▲ 0.50% · 4.625%
HK$63,144
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,046/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,311
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,982
−HK$1,695/mo
Today · 4.125%
HK$65,677
baseline
▲ 0.50% · 4.625%
HK$69,139
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,354/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,345
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,378
−HK$2,065/mo
Today · 4.125%
HK$69,443
baseline
▲ 0.50% · 4.625%
HK$73,669
+HK$4,226/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,886/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,696
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,646
−HK$1,978/mo
Today · 4.125%
HK$76,624
baseline
▲ 0.50% · 4.625%
HK$80,662
+HK$4,038/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,248/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,015
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,629
−HK$2,655/mo
Today · 4.125%
HK$89,284
baseline
▲ 0.50% · 4.625%
HK$94,717
+HK$5,433/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,568/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,466
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,973
−HK$2,543/mo
Today · 4.125%
HK$98,516
baseline
▲ 0.50% · 4.625%
HK$103,709
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,032/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,930 · Scale 2, in force from 26 Feb 2026)