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$46,672
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,124
−HK$1,475/mo
Today · 4.125%
HK$49,599
baseline
▲ 0.50% · 4.625%
HK$52,617
+HK$3,018/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,198/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,922
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,315
−HK$1,412/mo
Today · 4.125%
HK$54,727
baseline
▲ 0.50% · 4.625%
HK$57,612
+HK$2,885/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,454/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,006
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,770/mo
Today · 4.125%
HK$59,519
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,038/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,307
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,978
−HK$1,695/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,341
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,373
−HK$2,065/mo
Today · 4.125%
HK$69,438
baseline
▲ 0.50% · 4.625%
HK$73,663
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,876/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,691
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,641
−HK$1,977/mo
Today · 4.125%
HK$76,618
baseline
▲ 0.50% · 4.625%
HK$80,657
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,236/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,010
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,623
−HK$2,655/mo
Today · 4.125%
HK$89,278
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$5,432/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,556/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,460
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,966
−HK$2,543/mo
Today · 4.125%
HK$98,509
baseline
▲ 0.50% · 4.625%
HK$103,702
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,018/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,789 · Scale 2, in force from 26 Feb 2026)