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$46,716
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,169
−HK$1,476/mo
Today · 4.125%
HK$49,645
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,290/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,971
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,365
−HK$1,414/mo
Today · 4.125%
HK$54,779
baseline
▲ 0.50% · 4.625%
HK$57,666
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,558/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,771/mo
Today · 4.125%
HK$59,574
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,625/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,148/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,365
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,038
−HK$1,696/mo
Today · 4.125%
HK$65,734
baseline
▲ 0.50% · 4.625%
HK$69,199
+HK$3,465/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,468/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,402
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,436
−HK$2,067/mo
Today · 4.125%
HK$69,503
baseline
▲ 0.50% · 4.625%
HK$73,733
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,006/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,759
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,711
−HK$1,979/mo
Today · 4.125%
HK$76,690
baseline
▲ 0.50% · 4.625%
HK$80,733
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,380/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,088
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,704
−HK$2,657/mo
Today · 4.125%
HK$89,361
baseline
▲ 0.50% · 4.625%
HK$94,799
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,722/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,548
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,056
−HK$2,546/mo
Today · 4.125%
HK$98,602
baseline
▲ 0.50% · 4.625%
HK$103,799
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,204/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,708 · Scale 2, in force from 26 Feb 2026)