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$2,504/mo
▼ 0.25% · 3.875%
HK$41,171
−HK$1,262/mo
Today · 4.125%
HK$42,433
baseline
▲ 0.50% · 4.625%
HK$45,015
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,866/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,421
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,612
−HK$1,209/mo
Today · 4.125%
HK$46,821
baseline
▲ 0.50% · 4.625%
HK$49,289
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,642/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,915
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,405
−HK$1,515/mo
Today · 4.125%
HK$50,920
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$3,098/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$101,840/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,735
−HK$1,450/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,147
+HK$2,962/mo
Deposit HK$7.00M · loan HK$10.51M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,901
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,640
−HK$1,766/mo
Today · 4.125%
HK$59,406
baseline
▲ 0.50% · 4.625%
HK$63,021
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,812/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,189
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,692/mo
Today · 4.125%
HK$65,549
baseline
▲ 0.50% · 4.625%
HK$69,004
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,098/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,873
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,108
−HK$2,272/mo
Today · 4.125%
HK$76,380
baseline
▲ 0.50% · 4.625%
HK$81,027
+HK$4,647/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,760/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,958
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,102
−HK$2,175/mo
Today · 4.125%
HK$84,277
baseline
▲ 0.50% · 4.625%
HK$88,720
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,554/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,657 · Scale 2, in force from 26 Feb 2026)