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$46,732
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,185
−HK$1,477/mo
Today · 4.125%
HK$49,662
baseline
▲ 0.50% · 4.625%
HK$52,684
+HK$3,022/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$99,324/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,988
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,383
−HK$1,414/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$57,686
+HK$2,889/mo
Deposit HK$10.25M · loan HK$10.25M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,078
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,822
−HK$1,772/mo
Today · 4.125%
HK$59,594
baseline
▲ 0.50% · 4.625%
HK$63,221
+HK$3,627/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$119,188/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,386
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,059
−HK$1,698/mo
Today · 4.125%
HK$65,757
baseline
▲ 0.50% · 4.625%
HK$69,223
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.30M · min. income ≈ HK$131,514/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,424
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,459
−HK$2,068/mo
Today · 4.125%
HK$69,527
baseline
▲ 0.50% · 4.625%
HK$73,757
+HK$4,230/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$139,054/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,784
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,736
−HK$1,980/mo
Today · 4.125%
HK$76,716
baseline
▲ 0.50% · 4.625%
HK$80,760
+HK$4,044/mo
Deposit HK$6.15M · loan HK$14.35M · min. income ≈ HK$153,432/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,117
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,733
−HK$2,659/mo
Today · 4.125%
HK$89,392
baseline
▲ 0.50% · 4.625%
HK$94,831
+HK$5,439/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,784/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,579
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,089
−HK$2,546/mo
Today · 4.125%
HK$98,635
baseline
▲ 0.50% · 4.625%
HK$103,834
+HK$5,199/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,270/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$799,400 · Scale 2, in force from 26 Feb 2026)