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$46,662
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,475/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,911
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,413/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,994
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,770/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,620/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,293
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,964
−HK$1,695/mo
Today · 4.125%
HK$65,659
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,318/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,327
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$2,064/mo
Today · 4.125%
HK$69,423
baseline
▲ 0.50% · 4.625%
HK$73,648
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,846/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,675
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,624
−HK$1,978/mo
Today · 4.125%
HK$76,602
baseline
▲ 0.50% · 4.625%
HK$80,640
+HK$4,038/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,204/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,992
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,604
−HK$2,655/mo
Today · 4.125%
HK$89,259
baseline
▲ 0.50% · 4.625%
HK$94,690
+HK$5,431/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,518/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,440
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,946
−HK$2,542/mo
Today · 4.125%
HK$98,488
baseline
▲ 0.50% · 4.625%
HK$103,679
+HK$5,191/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$196,976/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,348 · Scale 2, in force from 26 Feb 2026)