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$38,002
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,185
−HK$1,201/mo
Today · 4.125%
HK$40,386
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,457/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,772/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,411
−HK$1,150/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$46,910
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,603
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,442/mo
Today · 4.125%
HK$48,463
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,948/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,926/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,733
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,381/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,292
+HK$2,818/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,203
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,858
−HK$1,682/mo
Today · 4.125%
HK$56,540
baseline
▲ 0.50% · 4.625%
HK$59,980
+HK$3,440/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$113,080/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,188
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,776
−HK$1,610/mo
Today · 4.125%
HK$62,386
baseline
▲ 0.50% · 4.625%
HK$65,674
+HK$3,288/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,772/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,404
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,532
−HK$2,162/mo
Today · 4.125%
HK$72,694
baseline
▲ 0.50% · 4.625%
HK$77,117
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,388/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,099
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,140
−HK$2,071/mo
Today · 4.125%
HK$80,211
baseline
▲ 0.50% · 4.625%
HK$84,439
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,422/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,970 · Scale 2, in force from 26 Feb 2026)