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$38,002
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,201/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,842
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,151/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$46,909
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,602
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,441/mo
Today · 4.125%
HK$48,462
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,924/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,732
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,092
−HK$1,381/mo
Today · 4.125%
HK$53,473
baseline
▲ 0.50% · 4.625%
HK$56,291
+HK$2,818/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,946/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,202
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,857
−HK$1,682/mo
Today · 4.125%
HK$56,539
baseline
▲ 0.50% · 4.625%
HK$59,979
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,078/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,187
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,610/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$65,673
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,403
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,531
−HK$2,162/mo
Today · 4.125%
HK$72,693
baseline
▲ 0.50% · 4.625%
HK$77,116
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,386/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,098
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,139
−HK$2,070/mo
Today · 4.125%
HK$80,209
baseline
▲ 0.50% · 4.625%
HK$84,437
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,418/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,959 · Scale 2, in force from 26 Feb 2026)