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$38,000
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,201/mo
Today · 4.125%
HK$40,383
baseline
▲ 0.50% · 4.625%
HK$42,840
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,766/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,408
−HK$1,150/mo
Today · 4.125%
HK$44,558
baseline
▲ 0.50% · 4.625%
HK$46,907
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,116/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,600
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,018
−HK$1,441/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,408
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,918/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,729
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,090
−HK$1,380/mo
Today · 4.125%
HK$53,470
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$2,819/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,940/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,200
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,855
−HK$1,681/mo
Today · 4.125%
HK$56,536
baseline
▲ 0.50% · 4.625%
HK$59,976
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,072/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,184
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,772
−HK$1,610/mo
Today · 4.125%
HK$62,382
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,764/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,400
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,527
−HK$2,162/mo
Today · 4.125%
HK$72,689
baseline
▲ 0.50% · 4.625%
HK$77,112
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,378/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,094
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,135
−HK$2,070/mo
Today · 4.125%
HK$80,205
baseline
▲ 0.50% · 4.625%
HK$84,433
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,410/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,929 · Scale 2, in force from 26 Feb 2026)