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$46,707
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,476/mo
Today · 4.125%
HK$49,636
baseline
▲ 0.50% · 4.625%
HK$52,656
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,272/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,961
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,355
−HK$1,413/mo
Today · 4.125%
HK$54,768
baseline
▲ 0.50% · 4.625%
HK$57,655
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,536/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,048
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,792
−HK$1,771/mo
Today · 4.125%
HK$59,563
baseline
▲ 0.50% · 4.625%
HK$63,187
+HK$3,624/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,126/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,353
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,025
−HK$1,697/mo
Today · 4.125%
HK$65,722
baseline
▲ 0.50% · 4.625%
HK$69,186
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,444/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,390
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,424
−HK$2,066/mo
Today · 4.125%
HK$69,490
baseline
▲ 0.50% · 4.625%
HK$73,718
+HK$4,228/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$138,980/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,745
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,696
−HK$1,980/mo
Today · 4.125%
HK$76,676
baseline
▲ 0.50% · 4.625%
HK$80,717
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$153,352/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,072
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,656/mo
Today · 4.125%
HK$89,344
baseline
▲ 0.50% · 4.625%
HK$94,781
+HK$5,437/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,688/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,530
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,038
−HK$2,545/mo
Today · 4.125%
HK$98,583
baseline
▲ 0.50% · 4.625%
HK$103,779
+HK$5,196/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,166/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,318 · Scale 2, in force from 26 Feb 2026)