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$46,708
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,161
−HK$1,476/mo
Today · 4.125%
HK$49,637
baseline
▲ 0.50% · 4.625%
HK$52,657
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,274/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,962
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,356
−HK$1,413/mo
Today · 4.125%
HK$54,769
baseline
▲ 0.50% · 4.625%
HK$57,656
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,538/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,050
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,793
−HK$1,771/mo
Today · 4.125%
HK$59,564
baseline
▲ 0.50% · 4.625%
HK$63,189
+HK$3,625/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,128/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,355
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,027
−HK$1,696/mo
Today · 4.125%
HK$65,723
baseline
▲ 0.50% · 4.625%
HK$69,188
+HK$3,465/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,446/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,391
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,425
−HK$2,067/mo
Today · 4.125%
HK$69,492
baseline
▲ 0.50% · 4.625%
HK$73,720
+HK$4,228/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$138,984/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,747
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,698
−HK$1,979/mo
Today · 4.125%
HK$76,677
baseline
▲ 0.50% · 4.625%
HK$80,719
+HK$4,042/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,354/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,074
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,690
−HK$2,657/mo
Today · 4.125%
HK$89,347
baseline
▲ 0.50% · 4.625%
HK$94,783
+HK$5,436/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,694/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,532
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,040
−HK$2,545/mo
Today · 4.125%
HK$98,585
baseline
▲ 0.50% · 4.625%
HK$103,782
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,170/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,365 · Scale 2, in force from 26 Feb 2026)