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$38,023
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,206
−HK$1,202/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,458/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,301
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,151/mo
Today · 4.125%
HK$44,586
baseline
▲ 0.50% · 4.625%
HK$46,936
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,172/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,628
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,442/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,381/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$2,820/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,233
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,888
−HK$1,683/mo
Today · 4.125%
HK$56,571
baseline
▲ 0.50% · 4.625%
HK$60,013
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,142/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,221
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,809
−HK$1,611/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$65,711
+HK$3,291/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,442
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,571
−HK$2,163/mo
Today · 4.125%
HK$72,734
baseline
▲ 0.50% · 4.625%
HK$77,160
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,468/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,141
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,183
−HK$2,072/mo
Today · 4.125%
HK$80,255
baseline
▲ 0.50% · 4.625%
HK$84,485
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,313 · Scale 2, in force from 26 Feb 2026)