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$46,671
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,123
−HK$1,475/mo
Today · 4.125%
HK$49,598
baseline
▲ 0.50% · 4.625%
HK$52,616
+HK$3,018/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,196/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,921
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,314
−HK$1,413/mo
Today · 4.125%
HK$54,727
baseline
▲ 0.50% · 4.625%
HK$57,611
+HK$2,884/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$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,006
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,770/mo
Today · 4.125%
HK$59,518
baseline
▲ 0.50% · 4.625%
HK$63,139
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,036/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,306
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,695/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,133
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,340
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,372
−HK$2,065/mo
Today · 4.125%
HK$69,437
baseline
▲ 0.50% · 4.625%
HK$73,662
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,874/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,690
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,639
−HK$1,978/mo
Today · 4.125%
HK$76,617
baseline
▲ 0.50% · 4.625%
HK$80,656
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,234/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,008
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,622
−HK$2,654/mo
Today · 4.125%
HK$89,276
baseline
▲ 0.50% · 4.625%
HK$94,709
+HK$5,433/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,552/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,458
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,965
−HK$2,543/mo
Today · 4.125%
HK$98,508
baseline
▲ 0.50% · 4.625%
HK$103,700
+HK$5,192/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,016/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,758 · Scale 2, in force from 26 Feb 2026)