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$39,931
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,173
−HK$1,262/mo
Today · 4.125%
HK$42,435
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,870/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,423
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,208/mo
Today · 4.125%
HK$46,823
baseline
▲ 0.50% · 4.625%
HK$49,291
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,646/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,918
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,408
−HK$1,514/mo
Today · 4.125%
HK$50,922
baseline
▲ 0.50% · 4.625%
HK$54,021
+HK$3,099/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,844/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,308
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,738
−HK$1,450/mo
Today · 4.125%
HK$56,188
baseline
▲ 0.50% · 4.625%
HK$59,150
+HK$2,962/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,376/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,904
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,643
−HK$1,767/mo
Today · 4.125%
HK$59,410
baseline
▲ 0.50% · 4.625%
HK$63,024
+HK$3,614/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,820/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,192
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,860
−HK$1,693/mo
Today · 4.125%
HK$65,553
baseline
▲ 0.50% · 4.625%
HK$69,008
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,106/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,876
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,112
−HK$2,272/mo
Today · 4.125%
HK$76,384
baseline
▲ 0.50% · 4.625%
HK$81,031
+HK$4,647/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,768/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,962
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,106
−HK$2,176/mo
Today · 4.125%
HK$84,282
baseline
▲ 0.50% · 4.625%
HK$88,724
+HK$4,442/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,564/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,692 · Scale 2, in force from 26 Feb 2026)