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$46,148
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,583
−HK$1,459/mo
Today · 4.125%
HK$49,042
baseline
▲ 0.50% · 4.625%
HK$52,026
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,084/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,339
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,716
−HK$1,397/mo
Today · 4.125%
HK$54,113
baseline
▲ 0.50% · 4.625%
HK$56,965
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,226/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,378
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,750/mo
Today · 4.125%
HK$58,850
baseline
▲ 0.50% · 4.625%
HK$62,431
+HK$3,581/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$117,700/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,607
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,259
−HK$1,676/mo
Today · 4.125%
HK$64,935
baseline
▲ 0.50% · 4.625%
HK$68,358
+HK$3,423/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$129,870/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,607
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,617
−HK$2,042/mo
Today · 4.125%
HK$68,659
baseline
▲ 0.50% · 4.625%
HK$72,836
+HK$4,177/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,318/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,875
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,803
−HK$1,955/mo
Today · 4.125%
HK$75,758
baseline
▲ 0.50% · 4.625%
HK$79,751
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,516/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,066
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,650
−HK$2,625/mo
Today · 4.125%
HK$88,275
baseline
▲ 0.50% · 4.625%
HK$93,647
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,550/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,411
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,889
−HK$2,514/mo
Today · 4.125%
HK$97,403
baseline
▲ 0.50% · 4.625%
HK$102,538
+HK$5,135/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,806/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,809 · Scale 2, in force from 26 Feb 2026)