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$47,578
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,057
−HK$1,504/mo
Today · 4.125%
HK$50,561
baseline
▲ 0.50% · 4.625%
HK$53,638
+HK$3,077/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,122/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,930
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,349
−HK$1,440/mo
Today · 4.125%
HK$55,789
baseline
▲ 0.50% · 4.625%
HK$58,730
+HK$2,941/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,578/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,093
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,869
−HK$1,804/mo
Today · 4.125%
HK$60,673
baseline
▲ 0.50% · 4.625%
HK$64,365
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,346/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,515
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,219
−HK$1,728/mo
Today · 4.125%
HK$66,947
baseline
▲ 0.50% · 4.625%
HK$70,476
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,894/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,609
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,680
−HK$2,106/mo
Today · 4.125%
HK$70,786
baseline
▲ 0.50% · 4.625%
HK$75,093
+HK$4,307/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,572/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,101
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,089
−HK$2,016/mo
Today · 4.125%
HK$78,105
baseline
▲ 0.50% · 4.625%
HK$82,222
+HK$4,117/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,210/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,640
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,303
−HK$2,707/mo
Today · 4.125%
HK$91,010
baseline
▲ 0.50% · 4.625%
HK$96,548
+HK$5,538/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,020/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,273
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,828
−HK$2,592/mo
Today · 4.125%
HK$100,420
baseline
▲ 0.50% · 4.625%
HK$105,714
+HK$5,294/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,840/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,500 · Scale 2, in force from 26 Feb 2026)