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$46,629
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,080
−HK$1,473/mo
Today · 4.125%
HK$49,553
baseline
▲ 0.50% · 4.625%
HK$52,569
+HK$3,016/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,106/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,875
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,266
−HK$1,411/mo
Today · 4.125%
HK$54,677
baseline
▲ 0.50% · 4.625%
HK$57,559
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,354/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,696
−HK$1,768/mo
Today · 4.125%
HK$59,464
baseline
▲ 0.50% · 4.625%
HK$63,082
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,928/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,250
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,919
−HK$1,694/mo
Today · 4.125%
HK$65,613
baseline
▲ 0.50% · 4.625%
HK$69,071
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,226/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,281
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,312
−HK$2,063/mo
Today · 4.125%
HK$69,375
baseline
▲ 0.50% · 4.625%
HK$73,596
+HK$4,221/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,750/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,624
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,572
−HK$1,976/mo
Today · 4.125%
HK$76,548
baseline
▲ 0.50% · 4.625%
HK$80,583
+HK$4,035/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,096/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,933
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,544
−HK$2,652/mo
Today · 4.125%
HK$89,196
baseline
▲ 0.50% · 4.625%
HK$94,623
+HK$5,427/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,392/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,374
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,879
−HK$2,540/mo
Today · 4.125%
HK$98,419
baseline
▲ 0.50% · 4.625%
HK$103,607
+HK$5,188/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,838/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,915 · Scale 2, in force from 26 Feb 2026)