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$37,989
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,201/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,263
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,150/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,587
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,005
−HK$1,441/mo
Today · 4.125%
HK$48,446
baseline
▲ 0.50% · 4.625%
HK$51,394
+HK$2,948/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$96,892/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,715
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,075
−HK$1,380/mo
Today · 4.125%
HK$53,455
baseline
▲ 0.50% · 4.625%
HK$56,273
+HK$2,818/mo
Deposit HK$6.66M · loan HK$10.00M · min. income ≈ HK$106,910/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,185
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,839
−HK$1,681/mo
Today · 4.125%
HK$56,520
baseline
▲ 0.50% · 4.625%
HK$59,959
+HK$3,439/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,040/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,168
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,755
−HK$1,609/mo
Today · 4.125%
HK$62,364
baseline
▲ 0.50% · 4.625%
HK$65,652
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,728/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,381
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,508
−HK$2,161/mo
Today · 4.125%
HK$72,669
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$4,421/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,338/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,073
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,113
−HK$2,070/mo
Today · 4.125%
HK$80,183
baseline
▲ 0.50% · 4.625%
HK$84,409
+HK$4,226/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,366/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,753 · Scale 2, in force from 26 Feb 2026)