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$38,029
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,202/mo
Today · 4.125%
HK$40,414
baseline
▲ 0.50% · 4.625%
HK$42,873
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,828/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,441
−HK$1,151/mo
Today · 4.125%
HK$44,592
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,184/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,054
−HK$1,442/mo
Today · 4.125%
HK$48,496
baseline
▲ 0.50% · 4.625%
HK$51,447
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,992/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,768
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,381/mo
Today · 4.125%
HK$53,511
baseline
▲ 0.50% · 4.625%
HK$56,332
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,022/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,240
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,897
−HK$1,682/mo
Today · 4.125%
HK$56,579
baseline
▲ 0.50% · 4.625%
HK$60,022
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,158/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,229
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,818
−HK$1,611/mo
Today · 4.125%
HK$62,429
baseline
▲ 0.50% · 4.625%
HK$65,720
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,858/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,452
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,581
−HK$2,164/mo
Today · 4.125%
HK$72,745
baseline
▲ 0.50% · 4.625%
HK$77,171
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,490/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,152
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,195
−HK$2,071/mo
Today · 4.125%
HK$80,266
baseline
▲ 0.50% · 4.625%
HK$84,497
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,532/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,405 · Scale 2, in force from 26 Feb 2026)