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$46,396
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,466/mo
Today · 4.125%
HK$49,306
baseline
▲ 0.50% · 4.625%
HK$52,306
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,612/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,615
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,000
−HK$1,404/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,676
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,407
−HK$1,760/mo
Today · 4.125%
HK$59,167
baseline
▲ 0.50% · 4.625%
HK$62,767
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,334/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,939
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,600
−HK$1,685/mo
Today · 4.125%
HK$65,285
baseline
▲ 0.50% · 4.625%
HK$68,726
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,570/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,955
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,975
−HK$2,053/mo
Today · 4.125%
HK$69,028
baseline
▲ 0.50% · 4.625%
HK$73,228
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,056/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,262
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,200
−HK$1,966/mo
Today · 4.125%
HK$76,166
baseline
▲ 0.50% · 4.625%
HK$80,181
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,332/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,513
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,111
−HK$2,639/mo
Today · 4.125%
HK$88,750
baseline
▲ 0.50% · 4.625%
HK$94,151
+HK$5,401/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,500/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,908
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,400
−HK$2,527/mo
Today · 4.125%
HK$97,927
baseline
▲ 0.50% · 4.625%
HK$103,089
+HK$5,162/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,854/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,700 · Scale 2, in force from 26 Feb 2026)