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$46,647
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,098
−HK$1,474/mo
Today · 4.125%
HK$49,572
baseline
▲ 0.50% · 4.625%
HK$52,588
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,144/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,894
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,286
−HK$1,412/mo
Today · 4.125%
HK$54,698
baseline
▲ 0.50% · 4.625%
HK$57,581
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,396/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,976
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,717
−HK$1,769/mo
Today · 4.125%
HK$59,486
baseline
▲ 0.50% · 4.625%
HK$63,106
+HK$3,620/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,972/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,273
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,943
−HK$1,694/mo
Today · 4.125%
HK$65,637
baseline
▲ 0.50% · 4.625%
HK$69,097
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,274/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,305
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,337
−HK$2,064/mo
Today · 4.125%
HK$69,401
baseline
▲ 0.50% · 4.625%
HK$73,623
+HK$4,222/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,802/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,652
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,600
−HK$1,977/mo
Today · 4.125%
HK$76,577
baseline
▲ 0.50% · 4.625%
HK$80,613
+HK$4,036/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,154/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,964
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,576
−HK$2,653/mo
Today · 4.125%
HK$89,229
baseline
▲ 0.50% · 4.625%
HK$94,659
+HK$5,430/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,458/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,409
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,914
−HK$2,542/mo
Today · 4.125%
HK$98,456
baseline
▲ 0.50% · 4.625%
HK$103,645
+HK$5,189/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,912/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,676 · Scale 2, in force from 26 Feb 2026)