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$39,929
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,171
−HK$1,261/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$45,014
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,420
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,611
−HK$1,209/mo
Today · 4.125%
HK$46,820
baseline
▲ 0.50% · 4.625%
HK$49,288
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,640/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,914
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,405
−HK$1,514/mo
Today · 4.125%
HK$50,919
baseline
▲ 0.50% · 4.625%
HK$54,017
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,838/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,304
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,734
−HK$1,450/mo
Today · 4.125%
HK$56,184
baseline
▲ 0.50% · 4.625%
HK$59,146
+HK$2,962/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,368/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,900
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,639
−HK$1,766/mo
Today · 4.125%
HK$59,405
baseline
▲ 0.50% · 4.625%
HK$63,020
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,810/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,188
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,856
−HK$1,692/mo
Today · 4.125%
HK$65,548
baseline
▲ 0.50% · 4.625%
HK$69,003
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,096/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,871
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,107
−HK$2,271/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$81,026
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,956
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,101
−HK$2,175/mo
Today · 4.125%
HK$84,276
baseline
▲ 0.50% · 4.625%
HK$88,718
+HK$4,442/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,552/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,646 · Scale 2, in force from 26 Feb 2026)