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$39,877
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,261/mo
Today · 4.125%
HK$42,378
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,756/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,363
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,207/mo
Today · 4.125%
HK$46,759
baseline
▲ 0.50% · 4.625%
HK$49,224
+HK$2,465/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,518/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,852
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,512/mo
Today · 4.125%
HK$50,853
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$3,094/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$101,706/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,448/mo
Today · 4.125%
HK$56,111
baseline
▲ 0.50% · 4.625%
HK$59,069
+HK$2,958/mo
Deposit HK$7.00M · loan HK$10.49M · min. income ≈ HK$112,222/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,828
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,765/mo
Today · 4.125%
HK$59,329
baseline
▲ 0.50% · 4.625%
HK$62,938
+HK$3,609/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,658/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,773
−HK$1,690/mo
Today · 4.125%
HK$65,463
baseline
▲ 0.50% · 4.625%
HK$68,914
+HK$3,451/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,926/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,778
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,011
−HK$2,269/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,921
+HK$4,641/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,853
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,994
−HK$2,173/mo
Today · 4.125%
HK$84,167
baseline
▲ 0.50% · 4.625%
HK$88,603
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,334/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,796 · Scale 2, in force from 26 Feb 2026)