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$46,655
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,107
−HK$1,474/mo
Today · 4.125%
HK$49,581
baseline
▲ 0.50% · 4.625%
HK$52,598
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,162/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,904
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,296
−HK$1,412/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,987
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,769/mo
Today · 4.125%
HK$59,497
baseline
▲ 0.50% · 4.625%
HK$63,118
+HK$3,621/mo
Deposit HK$8.18M · loan HK$12.28M · min. income ≈ HK$118,994/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,284
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,955
−HK$1,695/mo
Today · 4.125%
HK$65,650
baseline
▲ 0.50% · 4.625%
HK$69,110
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.28M · min. income ≈ HK$131,300/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,318
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,349
−HK$2,065/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,637
+HK$4,223/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,665
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,614
−HK$1,977/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$80,628
+HK$4,037/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,980
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,592
−HK$2,654/mo
Today · 4.125%
HK$89,246
baseline
▲ 0.50% · 4.625%
HK$94,677
+HK$5,431/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,492/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,427
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,932
−HK$2,542/mo
Today · 4.125%
HK$98,474
baseline
▲ 0.50% · 4.625%
HK$103,665
+HK$5,191/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,948/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,063 · Scale 2, in force from 26 Feb 2026)