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$37,980
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,161
−HK$1,200/mo
Today · 4.125%
HK$40,361
baseline
▲ 0.50% · 4.625%
HK$42,817
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,722/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,252
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,385
−HK$1,150/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$46,882
+HK$2,347/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,576
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,993
−HK$1,441/mo
Today · 4.125%
HK$48,434
baseline
▲ 0.50% · 4.625%
HK$51,381
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,868/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,702
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,062
−HK$1,380/mo
Today · 4.125%
HK$53,442
baseline
▲ 0.50% · 4.625%
HK$56,259
+HK$2,817/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,884/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,172
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,681/mo
Today · 4.125%
HK$56,506
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,012/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,153
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,739
−HK$1,610/mo
Today · 4.125%
HK$62,349
baseline
▲ 0.50% · 4.625%
HK$65,635
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,698/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,363
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,490
−HK$2,160/mo
Today · 4.125%
HK$72,650
baseline
▲ 0.50% · 4.625%
HK$77,071
+HK$4,421/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,300/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,054
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,093
−HK$2,070/mo
Today · 4.125%
HK$80,163
baseline
▲ 0.50% · 4.625%
HK$84,388
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,326/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,596 · Scale 2, in force from 26 Feb 2026)