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$46,712
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,165
−HK$1,476/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,661
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,414/mo
Today · 4.125%
HK$54,774
baseline
▲ 0.50% · 4.625%
HK$57,661
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,548/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,054
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,798
−HK$1,771/mo
Today · 4.125%
HK$59,569
baseline
▲ 0.50% · 4.625%
HK$63,194
+HK$3,625/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,138/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,360
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,032
−HK$1,697/mo
Today · 4.125%
HK$65,729
baseline
▲ 0.50% · 4.625%
HK$69,193
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,458/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,396
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,431
−HK$2,066/mo
Today · 4.125%
HK$69,497
baseline
▲ 0.50% · 4.625%
HK$73,726
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$138,994/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,753
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,704
−HK$1,979/mo
Today · 4.125%
HK$76,683
baseline
▲ 0.50% · 4.625%
HK$80,726
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,366/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,081
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,696
−HK$2,658/mo
Today · 4.125%
HK$89,354
baseline
▲ 0.50% · 4.625%
HK$94,791
+HK$5,437/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,708/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,539
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,048
−HK$2,545/mo
Today · 4.125%
HK$98,593
baseline
▲ 0.50% · 4.625%
HK$103,790
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,186/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,530 · Scale 2, in force from 26 Feb 2026)