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$46,403
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,466/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$3,001/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,623
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,008
−HK$1,404/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,280
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,684
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,416
−HK$1,760/mo
Today · 4.125%
HK$59,176
baseline
▲ 0.50% · 4.625%
HK$62,776
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,352/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,948
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,609
−HK$1,686/mo
Today · 4.125%
HK$65,295
baseline
▲ 0.50% · 4.625%
HK$68,736
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,590/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,964
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,985
−HK$2,053/mo
Today · 4.125%
HK$69,038
baseline
▲ 0.50% · 4.625%
HK$73,239
+HK$4,201/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,076/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,272
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$1,966/mo
Today · 4.125%
HK$76,177
baseline
▲ 0.50% · 4.625%
HK$80,192
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,354/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,526
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,124
−HK$2,640/mo
Today · 4.125%
HK$88,764
baseline
▲ 0.50% · 4.625%
HK$94,165
+HK$5,401/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,528/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,922
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,414
−HK$2,528/mo
Today · 4.125%
HK$97,942
baseline
▲ 0.50% · 4.625%
HK$103,104
+HK$5,162/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,884/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,000 · Scale 2, in force from 26 Feb 2026)