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$46,719
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,172
−HK$1,476/mo
Today · 4.125%
HK$49,648
baseline
▲ 0.50% · 4.625%
HK$52,669
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,296/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,974
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,368
−HK$1,414/mo
Today · 4.125%
HK$54,782
baseline
▲ 0.50% · 4.625%
HK$57,670
+HK$2,888/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,564/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,062
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,806
−HK$1,772/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$63,203
+HK$3,625/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,369
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,042
−HK$1,696/mo
Today · 4.125%
HK$65,738
baseline
▲ 0.50% · 4.625%
HK$69,204
+HK$3,466/mo
Deposit HK$8.20M · loan HK$12.29M · min. income ≈ HK$131,476/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,406
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,441
−HK$2,067/mo
Today · 4.125%
HK$69,508
baseline
▲ 0.50% · 4.625%
HK$73,737
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$139,016/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,764
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$1,980/mo
Today · 4.125%
HK$76,695
baseline
▲ 0.50% · 4.625%
HK$80,738
+HK$4,043/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,390/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,094
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,709
−HK$2,658/mo
Today · 4.125%
HK$89,367
baseline
▲ 0.50% · 4.625%
HK$94,805
+HK$5,438/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,734/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,553
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,062
−HK$2,546/mo
Today · 4.125%
HK$98,608
baseline
▲ 0.50% · 4.625%
HK$103,805
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,216/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,834 · Scale 2, in force from 26 Feb 2026)