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$39,933
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,262/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$45,019
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,616
−HK$1,209/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,919
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,410
−HK$1,514/mo
Today · 4.125%
HK$50,924
baseline
▲ 0.50% · 4.625%
HK$54,023
+HK$3,099/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,848/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,309
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,739
−HK$1,451/mo
Today · 4.125%
HK$56,190
baseline
▲ 0.50% · 4.625%
HK$59,151
+HK$2,961/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,380/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,906
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,644
−HK$1,767/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$63,026
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,862
−HK$1,692/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,010
+HK$3,456/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,108/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,879
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,114
−HK$2,272/mo
Today · 4.125%
HK$76,386
baseline
▲ 0.50% · 4.625%
HK$81,034
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,772/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,964
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,109
−HK$2,175/mo
Today · 4.125%
HK$84,284
baseline
▲ 0.50% · 4.625%
HK$88,727
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,711 · Scale 2, in force from 26 Feb 2026)