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$38,041
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,224
−HK$1,202/mo
Today · 4.125%
HK$40,426
baseline
▲ 0.50% · 4.625%
HK$42,886
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,852/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,320
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,455
−HK$1,152/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$46,958
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,649
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,069
−HK$1,443/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,784
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,146
−HK$1,382/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,349
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,257
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,914
−HK$1,683/mo
Today · 4.125%
HK$56,597
baseline
▲ 0.50% · 4.625%
HK$60,041
+HK$3,444/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$113,194/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,248
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,837
−HK$1,612/mo
Today · 4.125%
HK$62,449
baseline
▲ 0.50% · 4.625%
HK$65,741
+HK$3,292/mo
Deposit HK$5.00M · loan HK$11.68M · min. income ≈ HK$124,898/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,474
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,604
−HK$2,164/mo
Today · 4.125%
HK$72,768
baseline
▲ 0.50% · 4.625%
HK$77,195
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,536/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,176
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,219
−HK$2,073/mo
Today · 4.125%
HK$80,292
baseline
▲ 0.50% · 4.625%
HK$84,524
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,584/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,604 · Scale 2, in force from 26 Feb 2026)