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$46,641
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,092
−HK$1,474/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,582
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,888
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,279
−HK$1,412/mo
Today · 4.125%
HK$54,691
baseline
▲ 0.50% · 4.625%
HK$57,574
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,382/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,969
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,710
−HK$1,769/mo
Today · 4.125%
HK$59,479
baseline
▲ 0.50% · 4.625%
HK$63,098
+HK$3,619/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,958/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,265
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,935
−HK$1,694/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,297
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,329
−HK$2,063/mo
Today · 4.125%
HK$69,392
baseline
▲ 0.50% · 4.625%
HK$73,615
+HK$4,223/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,784/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,643
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,591
−HK$1,976/mo
Today · 4.125%
HK$76,567
baseline
▲ 0.50% · 4.625%
HK$80,603
+HK$4,036/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,134/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,954
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,565
−HK$2,654/mo
Today · 4.125%
HK$89,219
baseline
▲ 0.50% · 4.625%
HK$94,647
+HK$5,428/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,438/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,398
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,903
−HK$2,541/mo
Today · 4.125%
HK$98,444
baseline
▲ 0.50% · 4.625%
HK$103,633
+HK$5,189/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,888/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,430 · Scale 2, in force from 26 Feb 2026)