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$39,868
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,108
−HK$1,260/mo
Today · 4.125%
HK$42,368
baseline
▲ 0.50% · 4.625%
HK$44,946
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,736/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,352
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,542
−HK$1,206/mo
Today · 4.125%
HK$46,748
baseline
▲ 0.50% · 4.625%
HK$49,213
+HK$2,465/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,496/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,841
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,329
−HK$1,512/mo
Today · 4.125%
HK$50,841
baseline
▲ 0.50% · 4.625%
HK$53,935
+HK$3,094/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,682/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,223
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,650
−HK$1,448/mo
Today · 4.125%
HK$56,098
baseline
▲ 0.50% · 4.625%
HK$59,055
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,196/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,815
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,551
−HK$1,764/mo
Today · 4.125%
HK$59,315
baseline
▲ 0.50% · 4.625%
HK$62,924
+HK$3,609/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,630/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,093
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,758
−HK$1,690/mo
Today · 4.125%
HK$65,448
baseline
▲ 0.50% · 4.625%
HK$68,898
+HK$3,450/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,896/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,762
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,994
−HK$2,268/mo
Today · 4.125%
HK$76,262
baseline
▲ 0.50% · 4.625%
HK$80,902
+HK$4,640/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,524/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,834
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,975
−HK$2,172/mo
Today · 4.125%
HK$84,147
baseline
▲ 0.50% · 4.625%
HK$88,583
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,294/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,643 · Scale 2, in force from 26 Feb 2026)