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$38,031
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,202/mo
Today · 4.125%
HK$40,416
baseline
▲ 0.50% · 4.625%
HK$42,876
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,832/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,310
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,151/mo
Today · 4.125%
HK$44,595
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,190/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,638
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,057
−HK$1,443/mo
Today · 4.125%
HK$48,500
baseline
▲ 0.50% · 4.625%
HK$51,451
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,000/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,771
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,133
−HK$1,382/mo
Today · 4.125%
HK$53,515
baseline
▲ 0.50% · 4.625%
HK$56,335
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,030/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,244
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,900
−HK$1,683/mo
Today · 4.125%
HK$56,583
baseline
▲ 0.50% · 4.625%
HK$60,026
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,166/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,233
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,822
−HK$1,612/mo
Today · 4.125%
HK$62,434
baseline
▲ 0.50% · 4.625%
HK$65,725
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,868/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,457
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,586
−HK$2,163/mo
Today · 4.125%
HK$72,749
baseline
▲ 0.50% · 4.625%
HK$77,176
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,498/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,157
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,200
−HK$2,072/mo
Today · 4.125%
HK$80,272
baseline
▲ 0.50% · 4.625%
HK$84,503
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,544/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,447 · Scale 2, in force from 26 Feb 2026)