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$46,713
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,476/mo
Today · 4.125%
HK$49,642
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,021/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,284/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,967
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,361
−HK$1,414/mo
Today · 4.125%
HK$54,775
baseline
▲ 0.50% · 4.625%
HK$57,662
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,550/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,055
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,771/mo
Today · 4.125%
HK$59,570
baseline
▲ 0.50% · 4.625%
HK$63,195
+HK$3,625/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,140/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,361
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,033
−HK$1,697/mo
Today · 4.125%
HK$65,730
baseline
▲ 0.50% · 4.625%
HK$69,195
+HK$3,465/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,460/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,398
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,432
−HK$2,067/mo
Today · 4.125%
HK$69,499
baseline
▲ 0.50% · 4.625%
HK$73,728
+HK$4,229/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$138,998/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,754
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,706
−HK$1,979/mo
Today · 4.125%
HK$76,685
baseline
▲ 0.50% · 4.625%
HK$80,727
+HK$4,042/mo
Deposit HK$6.15M · loan HK$14.34M · min. income ≈ HK$153,370/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,083
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,698
−HK$2,658/mo
Today · 4.125%
HK$89,356
baseline
▲ 0.50% · 4.625%
HK$94,793
+HK$5,437/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$178,712/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,541
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,050
−HK$2,545/mo
Today · 4.125%
HK$98,595
baseline
▲ 0.50% · 4.625%
HK$103,792
+HK$5,197/mo
Deposit HK$2.05M · loan HK$18.44M · min. income ≈ HK$197,190/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,576 · Scale 2, in force from 26 Feb 2026)