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$38,022
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,205
−HK$1,201/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,865
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,434
−HK$1,150/mo
Today · 4.125%
HK$44,584
baseline
▲ 0.50% · 4.625%
HK$46,935
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,168/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,627
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,046
−HK$1,442/mo
Today · 4.125%
HK$48,488
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,950/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,976/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,759
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,120
−HK$1,381/mo
Today · 4.125%
HK$53,501
baseline
▲ 0.50% · 4.625%
HK$56,322
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$107,002/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,231
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,887
−HK$1,682/mo
Today · 4.125%
HK$56,569
baseline
▲ 0.50% · 4.625%
HK$60,011
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,138/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,219
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,807
−HK$1,611/mo
Today · 4.125%
HK$62,418
baseline
▲ 0.50% · 4.625%
HK$65,708
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,836/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,440
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,569
−HK$2,163/mo
Today · 4.125%
HK$72,732
baseline
▲ 0.50% · 4.625%
HK$77,157
+HK$4,425/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,464/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,139
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,181
−HK$2,071/mo
Today · 4.125%
HK$80,252
baseline
▲ 0.50% · 4.625%
HK$84,482
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,504/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,294 · Scale 2, in force from 26 Feb 2026)