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$39,881
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,260/mo
Today · 4.125%
HK$42,382
baseline
▲ 0.50% · 4.625%
HK$44,961
+HK$2,579/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,764/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,368
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,208/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,465/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,858
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,346
−HK$1,513/mo
Today · 4.125%
HK$50,859
baseline
▲ 0.50% · 4.625%
HK$53,953
+HK$3,094/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,718/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,241
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,669
−HK$1,449/mo
Today · 4.125%
HK$56,118
baseline
▲ 0.50% · 4.625%
HK$59,076
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,236/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,834
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,571
−HK$1,764/mo
Today · 4.125%
HK$59,335
baseline
▲ 0.50% · 4.625%
HK$62,945
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,670/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,115
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,780
−HK$1,690/mo
Today · 4.125%
HK$65,470
baseline
▲ 0.50% · 4.625%
HK$68,921
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,940/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,786
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,019
−HK$2,269/mo
Today · 4.125%
HK$76,288
baseline
▲ 0.50% · 4.625%
HK$80,930
+HK$4,642/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,576/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,862
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$82,003
−HK$2,173/mo
Today · 4.125%
HK$84,176
baseline
▲ 0.50% · 4.625%
HK$88,613
+HK$4,437/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,352/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,869 · Scale 2, in force from 26 Feb 2026)