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$46,841
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,298
−HK$1,480/mo
Today · 4.125%
HK$49,778
baseline
▲ 0.50% · 4.625%
HK$52,807
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,556/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,110
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,508
−HK$1,418/mo
Today · 4.125%
HK$54,926
baseline
▲ 0.50% · 4.625%
HK$57,821
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,852/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,209
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,958
−HK$1,776/mo
Today · 4.125%
HK$59,734
baseline
▲ 0.50% · 4.625%
HK$63,369
+HK$3,635/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,468/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,532
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,209
−HK$1,702/mo
Today · 4.125%
HK$65,911
baseline
▲ 0.50% · 4.625%
HK$69,385
+HK$3,474/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,822/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,577
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$2,073/mo
Today · 4.125%
HK$69,690
baseline
▲ 0.50% · 4.625%
HK$73,930
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,380/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,954
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,911
−HK$1,985/mo
Today · 4.125%
HK$76,896
baseline
▲ 0.50% · 4.625%
HK$80,949
+HK$4,053/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,792/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,314
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,936
−HK$2,665/mo
Today · 4.125%
HK$89,601
baseline
▲ 0.50% · 4.625%
HK$95,053
+HK$5,452/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,202/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,798
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,314
−HK$2,552/mo
Today · 4.125%
HK$98,866
baseline
▲ 0.50% · 4.625%
HK$104,077
+HK$5,211/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,732/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,200 · Scale 2, in force from 26 Feb 2026)