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$37,977
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,158
−HK$1,200/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,814
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,249
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,382
−HK$1,149/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$46,879
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,572
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,990
−HK$1,440/mo
Today · 4.125%
HK$48,430
baseline
▲ 0.50% · 4.625%
HK$51,377
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,860/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,698
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,058
−HK$1,380/mo
Today · 4.125%
HK$53,438
baseline
▲ 0.50% · 4.625%
HK$56,254
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,876/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,167
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,821
−HK$1,680/mo
Today · 4.125%
HK$56,501
baseline
▲ 0.50% · 4.625%
HK$59,939
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,002/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,148
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,735
−HK$1,609/mo
Today · 4.125%
HK$62,344
baseline
▲ 0.50% · 4.625%
HK$65,630
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,688/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,484
−HK$2,161/mo
Today · 4.125%
HK$72,645
baseline
▲ 0.50% · 4.625%
HK$77,065
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,290/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,048
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,087
−HK$2,069/mo
Today · 4.125%
HK$80,156
baseline
▲ 0.50% · 4.625%
HK$84,381
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,312/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,548 · Scale 2, in force from 26 Feb 2026)