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$37,995
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,177
−HK$1,201/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,269
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,150/mo
Today · 4.125%
HK$44,553
baseline
▲ 0.50% · 4.625%
HK$46,901
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,106/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,594
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,012
−HK$1,441/mo
Today · 4.125%
HK$48,453
baseline
▲ 0.50% · 4.625%
HK$51,402
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,906/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,723
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,083
−HK$1,380/mo
Today · 4.125%
HK$53,463
baseline
▲ 0.50% · 4.625%
HK$56,282
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,926/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,193
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,848
−HK$1,681/mo
Today · 4.125%
HK$56,529
baseline
▲ 0.50% · 4.625%
HK$59,968
+HK$3,439/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,058/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,177
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,764
−HK$1,610/mo
Today · 4.125%
HK$62,374
baseline
▲ 0.50% · 4.625%
HK$65,662
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,748/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,391
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,519
−HK$2,161/mo
Today · 4.125%
HK$72,680
baseline
▲ 0.50% · 4.625%
HK$77,102
+HK$4,422/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,360/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,085
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,125
−HK$2,070/mo
Today · 4.125%
HK$80,195
baseline
▲ 0.50% · 4.625%
HK$84,422
+HK$4,227/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,390/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,850 · Scale 2, in force from 26 Feb 2026)