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$48,091
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,586
−HK$1,520/mo
Today · 4.125%
HK$51,106
baseline
▲ 0.50% · 4.625%
HK$54,216
+HK$3,110/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,212/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,500
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,935
−HK$1,456/mo
Today · 4.125%
HK$56,391
baseline
▲ 0.50% · 4.625%
HK$59,363
+HK$2,972/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,782/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,709
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,824/mo
Today · 4.125%
HK$61,328
baseline
▲ 0.50% · 4.625%
HK$65,059
+HK$3,731/mo
Deposit HK$8.44M · loan HK$12.65M · min. income ≈ HK$122,656/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,200
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,922
−HK$1,747/mo
Today · 4.125%
HK$67,669
baseline
▲ 0.50% · 4.625%
HK$71,236
+HK$3,567/mo
Deposit HK$8.44M · loan HK$12.65M · min. income ≈ HK$135,338/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,327
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,421
−HK$2,128/mo
Today · 4.125%
HK$71,549
baseline
▲ 0.50% · 4.625%
HK$75,902
+HK$4,353/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,098/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,900
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,909
−HK$2,038/mo
Today · 4.125%
HK$78,947
baseline
▲ 0.50% · 4.625%
HK$83,108
+HK$4,161/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,894/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,563
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,256
−HK$2,735/mo
Today · 4.125%
HK$91,991
baseline
▲ 0.50% · 4.625%
HK$97,589
+HK$5,598/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,982/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,301
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,883
−HK$2,620/mo
Today · 4.125%
HK$101,503
baseline
▲ 0.50% · 4.625%
HK$106,854
+HK$5,351/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$203,006/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,000 · Scale 2, in force from 26 Feb 2026)