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$46,815
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,480/mo
Today · 4.125%
HK$49,751
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$3,027/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,502/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,081
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,417/mo
Today · 4.125%
HK$54,895
baseline
▲ 0.50% · 4.625%
HK$57,788
+HK$2,893/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,790/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,178
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,776/mo
Today · 4.125%
HK$59,701
baseline
▲ 0.50% · 4.625%
HK$63,333
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,402/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,497
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,701/mo
Today · 4.125%
HK$65,874
baseline
▲ 0.50% · 4.625%
HK$69,346
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,748/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,541
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,579
−HK$2,072/mo
Today · 4.125%
HK$69,651
baseline
▲ 0.50% · 4.625%
HK$73,889
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,302/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,913
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,869
−HK$1,984/mo
Today · 4.125%
HK$76,853
baseline
▲ 0.50% · 4.625%
HK$80,904
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,706/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,267
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,888
−HK$2,663/mo
Today · 4.125%
HK$89,551
baseline
▲ 0.50% · 4.625%
HK$95,000
+HK$5,449/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,102/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,746
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,260
−HK$2,551/mo
Today · 4.125%
HK$98,811
baseline
▲ 0.50% · 4.625%
HK$104,019
+HK$5,208/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,622/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,050 · Scale 2, in force from 26 Feb 2026)