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$47,657
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,140
−HK$1,506/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,728
+HK$3,082/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,443/mo
Today · 4.125%
HK$55,883
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,766/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,189
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,968
−HK$1,807/mo
Today · 4.125%
HK$60,775
baseline
▲ 0.50% · 4.625%
HK$64,473
+HK$3,698/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,550/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,622
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$1,731/mo
Today · 4.125%
HK$67,059
baseline
▲ 0.50% · 4.625%
HK$70,594
+HK$3,535/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,118/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,720
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,796
−HK$2,108/mo
Today · 4.125%
HK$70,904
baseline
▲ 0.50% · 4.625%
HK$75,219
+HK$4,315/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,808/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,226
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,216
−HK$2,020/mo
Today · 4.125%
HK$78,236
baseline
▲ 0.50% · 4.625%
HK$82,360
+HK$4,124/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,472/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,783
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,452
−HK$2,711/mo
Today · 4.125%
HK$91,163
baseline
▲ 0.50% · 4.625%
HK$96,710
+HK$5,547/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,326/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,433
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,992
−HK$2,597/mo
Today · 4.125%
HK$100,589
baseline
▲ 0.50% · 4.625%
HK$105,891
+HK$5,302/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,178/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$840,000 · Scale 2, in force from 26 Feb 2026)