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$39,875
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,260/mo
Today · 4.125%
HK$42,375
baseline
▲ 0.50% · 4.625%
HK$44,953
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,750/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,360
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,550
−HK$1,207/mo
Today · 4.125%
HK$46,757
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,514/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,849
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,338
−HK$1,512/mo
Today · 4.125%
HK$50,850
baseline
▲ 0.50% · 4.625%
HK$53,944
+HK$3,094/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,700/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,232
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,660
−HK$1,448/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,824
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,561
−HK$1,764/mo
Today · 4.125%
HK$59,325
baseline
▲ 0.50% · 4.625%
HK$62,935
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,650/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,104
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,770
−HK$1,689/mo
Today · 4.125%
HK$65,459
baseline
▲ 0.50% · 4.625%
HK$68,910
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,918/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,774
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,007
−HK$2,268/mo
Today · 4.125%
HK$76,275
baseline
▲ 0.50% · 4.625%
HK$80,916
+HK$4,641/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,550/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,848
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,989
−HK$2,173/mo
Today · 4.125%
HK$84,162
baseline
▲ 0.50% · 4.625%
HK$88,598
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,324/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,757 · Scale 2, in force from 26 Feb 2026)