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$46,831
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,287
−HK$1,480/mo
Today · 4.125%
HK$49,767
baseline
▲ 0.50% · 4.625%
HK$52,796
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,534/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,099
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,496
−HK$1,417/mo
Today · 4.125%
HK$54,913
baseline
▲ 0.50% · 4.625%
HK$57,808
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,826/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,197
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,945
−HK$1,776/mo
Today · 4.125%
HK$59,721
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,634/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,442/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,519
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,195
−HK$1,701/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,370
+HK$3,474/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,563
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,602
−HK$2,072/mo
Today · 4.125%
HK$69,674
baseline
▲ 0.50% · 4.625%
HK$73,914
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,348/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,938
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,894
−HK$1,985/mo
Today · 4.125%
HK$76,879
baseline
▲ 0.50% · 4.625%
HK$80,931
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,758/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,295
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,917
−HK$2,664/mo
Today · 4.125%
HK$89,581
baseline
▲ 0.50% · 4.625%
HK$95,032
+HK$5,451/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,162/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,778
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,293
−HK$2,551/mo
Today · 4.125%
HK$98,844
baseline
▲ 0.50% · 4.625%
HK$104,055
+HK$5,211/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,688/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,750 · Scale 2, in force from 26 Feb 2026)