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$37,975
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,156
−HK$1,200/mo
Today · 4.125%
HK$40,356
baseline
▲ 0.50% · 4.625%
HK$42,812
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,712/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,247
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,149/mo
Today · 4.125%
HK$44,529
baseline
▲ 0.50% · 4.625%
HK$46,876
+HK$2,347/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,058/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,570
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,440/mo
Today · 4.125%
HK$48,427
baseline
▲ 0.50% · 4.625%
HK$51,374
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,854/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,696
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,056
−HK$1,379/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,251
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,165
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,818
−HK$1,681/mo
Today · 4.125%
HK$56,499
baseline
▲ 0.50% · 4.625%
HK$59,936
+HK$3,437/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,998/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,145
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,731
−HK$1,610/mo
Today · 4.125%
HK$62,341
baseline
▲ 0.50% · 4.625%
HK$65,627
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,682/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,355
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,481
−HK$2,160/mo
Today · 4.125%
HK$72,641
baseline
▲ 0.50% · 4.625%
HK$77,061
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,282/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,044
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,083
−HK$2,069/mo
Today · 4.125%
HK$80,152
baseline
▲ 0.50% · 4.625%
HK$84,377
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,304/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,516 · Scale 2, in force from 26 Feb 2026)