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$46,686
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,138
−HK$1,476/mo
Today · 4.125%
HK$49,614
baseline
▲ 0.50% · 4.625%
HK$52,633
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,228/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,938
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,413/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,023
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,766
−HK$1,770/mo
Today · 4.125%
HK$59,536
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,072/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,325
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$63,997
−HK$1,696/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,155
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,361
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,394
−HK$2,065/mo
Today · 4.125%
HK$69,459
baseline
▲ 0.50% · 4.625%
HK$73,686
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,918/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,713
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$1,978/mo
Today · 4.125%
HK$76,641
baseline
▲ 0.50% · 4.625%
HK$80,681
+HK$4,040/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,282/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,035
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,649
−HK$2,656/mo
Today · 4.125%
HK$89,305
baseline
▲ 0.50% · 4.625%
HK$94,739
+HK$5,434/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,610/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,488
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,995
−HK$2,544/mo
Today · 4.125%
HK$98,539
baseline
▲ 0.50% · 4.625%
HK$103,733
+HK$5,194/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,078/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,406 · Scale 2, in force from 26 Feb 2026)