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$38,030
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,213
−HK$1,201/mo
Today · 4.125%
HK$40,414
baseline
▲ 0.50% · 4.625%
HK$42,874
+HK$2,460/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$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,308
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,442
−HK$1,151/mo
Today · 4.125%
HK$44,593
baseline
▲ 0.50% · 4.625%
HK$46,944
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,186/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,636
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,055
−HK$1,442/mo
Today · 4.125%
HK$48,497
baseline
▲ 0.50% · 4.625%
HK$51,448
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,994/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,769
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,131
−HK$1,381/mo
Today · 4.125%
HK$53,512
baseline
▲ 0.50% · 4.625%
HK$56,333
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,024/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,241
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,682/mo
Today · 4.125%
HK$56,580
baseline
▲ 0.50% · 4.625%
HK$60,023
+HK$3,443/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,160/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,231
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,612/mo
Today · 4.125%
HK$62,431
baseline
▲ 0.50% · 4.625%
HK$65,721
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,862/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,453
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,583
−HK$2,163/mo
Today · 4.125%
HK$72,746
baseline
▲ 0.50% · 4.625%
HK$77,172
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,492/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,154
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,196
−HK$2,072/mo
Today · 4.125%
HK$80,268
baseline
▲ 0.50% · 4.625%
HK$84,499
+HK$4,231/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,536/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,417 · Scale 2, in force from 26 Feb 2026)