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$46,654
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,106
−HK$1,474/mo
Today · 4.125%
HK$49,580
baseline
▲ 0.50% · 4.625%
HK$52,597
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,160/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,902
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,413/mo
Today · 4.125%
HK$54,707
baseline
▲ 0.50% · 4.625%
HK$57,590
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,414/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,985
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,769/mo
Today · 4.125%
HK$59,496
baseline
▲ 0.50% · 4.625%
HK$63,116
+HK$3,620/mo
Deposit HK$8.18M · loan HK$12.28M · min. income ≈ HK$118,992/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,283
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,953
−HK$1,695/mo
Today · 4.125%
HK$65,648
baseline
▲ 0.50% · 4.625%
HK$69,108
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.28M · min. income ≈ HK$131,296/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,316
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,348
−HK$2,064/mo
Today · 4.125%
HK$69,412
baseline
▲ 0.50% · 4.625%
HK$73,635
+HK$4,223/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,824/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,663
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,612
−HK$1,977/mo
Today · 4.125%
HK$76,589
baseline
▲ 0.50% · 4.625%
HK$80,626
+HK$4,037/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,178/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,978
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,590
−HK$2,654/mo
Today · 4.125%
HK$89,244
baseline
▲ 0.50% · 4.625%
HK$94,674
+HK$5,430/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,488/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,424
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,930
−HK$2,542/mo
Today · 4.125%
HK$98,472
baseline
▲ 0.50% · 4.625%
HK$103,662
+HK$5,190/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,944/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,012 · Scale 2, in force from 26 Feb 2026)