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$38,025
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,201/mo
Today · 4.125%
HK$40,409
baseline
▲ 0.50% · 4.625%
HK$42,868
+HK$2,459/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,818/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,302
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,437
−HK$1,151/mo
Today · 4.125%
HK$44,588
baseline
▲ 0.50% · 4.625%
HK$46,938
+HK$2,350/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,176/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,049
−HK$1,442/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,442
+HK$2,951/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,763
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,124
−HK$1,381/mo
Today · 4.125%
HK$53,505
baseline
▲ 0.50% · 4.625%
HK$56,326
+HK$2,821/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,010/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,891
−HK$1,682/mo
Today · 4.125%
HK$56,573
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,442/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,146/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,812
−HK$1,611/mo
Today · 4.125%
HK$62,423
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,290/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,846/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,574
−HK$2,163/mo
Today · 4.125%
HK$72,737
baseline
▲ 0.50% · 4.625%
HK$77,163
+HK$4,426/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$145,474/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,144
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,186
−HK$2,072/mo
Today · 4.125%
HK$80,258
baseline
▲ 0.50% · 4.625%
HK$84,488
+HK$4,230/mo
Deposit HK$1.67M · loan HK$15.01M · min. income ≈ HK$160,516/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,339 · Scale 2, in force from 26 Feb 2026)