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$39,876
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,260/mo
Today · 4.125%
HK$42,377
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,754/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,362
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,207/mo
Today · 4.125%
HK$46,759
baseline
▲ 0.50% · 4.625%
HK$49,223
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,518/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,851
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,340
−HK$1,512/mo
Today · 4.125%
HK$50,852
baseline
▲ 0.50% · 4.625%
HK$53,946
+HK$3,094/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,704/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,234
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,662
−HK$1,448/mo
Today · 4.125%
HK$56,110
baseline
▲ 0.50% · 4.625%
HK$59,068
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,220/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,827
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,563
−HK$1,765/mo
Today · 4.125%
HK$59,328
baseline
▲ 0.50% · 4.625%
HK$62,937
+HK$3,609/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,656/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,107
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,772
−HK$1,690/mo
Today · 4.125%
HK$65,462
baseline
▲ 0.50% · 4.625%
HK$68,913
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,924/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,010
−HK$2,268/mo
Today · 4.125%
HK$76,278
baseline
▲ 0.50% · 4.625%
HK$80,920
+HK$4,642/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,556/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,851
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$81,993
−HK$2,173/mo
Today · 4.125%
HK$84,166
baseline
▲ 0.50% · 4.625%
HK$88,602
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,332/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,786 · Scale 2, in force from 26 Feb 2026)