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$2,382/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,200/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,840
+HK$2,458/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,764/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,284/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$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,860/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$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,729
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,381/mo
Today · 4.125%
HK$53,470
baseline
▲ 0.50% · 4.625%
HK$56,288
+HK$2,818/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$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,199
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,854
−HK$1,681/mo
Today · 4.125%
HK$56,535
baseline
▲ 0.50% · 4.625%
HK$59,976
+HK$3,441/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,070/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,184
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,610/mo
Today · 4.125%
HK$62,381
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,762/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,399
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,527
−HK$2,161/mo
Today · 4.125%
HK$72,688
baseline
▲ 0.50% · 4.625%
HK$77,111
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,376/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,093
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,134
−HK$2,071/mo
Today · 4.125%
HK$80,205
baseline
▲ 0.50% · 4.625%
HK$84,432
+HK$4,227/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$624,923 · Scale 2, in force from 26 Feb 2026)