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$39,879
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,120
−HK$1,260/mo
Today · 4.125%
HK$42,380
baseline
▲ 0.50% · 4.625%
HK$44,959
+HK$2,579/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,760/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,365
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,555
−HK$1,207/mo
Today · 4.125%
HK$46,762
baseline
▲ 0.50% · 4.625%
HK$49,227
+HK$2,465/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,524/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,855
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,344
−HK$1,512/mo
Today · 4.125%
HK$50,856
baseline
▲ 0.50% · 4.625%
HK$53,951
+HK$3,095/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,712/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,238
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,666
−HK$1,449/mo
Today · 4.125%
HK$56,115
baseline
▲ 0.50% · 4.625%
HK$59,073
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,230/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,831
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,764/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,942
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,111
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,777
−HK$1,690/mo
Today · 4.125%
HK$65,467
baseline
▲ 0.50% · 4.625%
HK$68,918
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,934/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,783
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,016
−HK$2,268/mo
Today · 4.125%
HK$76,284
baseline
▲ 0.50% · 4.625%
HK$80,926
+HK$4,642/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,568/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,858
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,999
−HK$2,173/mo
Today · 4.125%
HK$84,172
baseline
▲ 0.50% · 4.625%
HK$88,609
+HK$4,437/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,344/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,837 · Scale 2, in force from 26 Feb 2026)