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$37,999
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,181
−HK$1,201/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,457/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$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,150/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,349/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,441/mo
Today · 4.125%
HK$48,458
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,949/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$96,916/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,380/mo
Today · 4.125%
HK$53,469
baseline
▲ 0.50% · 4.625%
HK$56,287
+HK$2,818/mo
Deposit HK$6.67M · loan HK$10.00M · min. income ≈ HK$106,938/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,199
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,853
−HK$1,682/mo
Today · 4.125%
HK$56,535
baseline
▲ 0.50% · 4.625%
HK$59,975
+HK$3,440/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$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,770
−HK$1,610/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$65,669
+HK$3,289/mo
Deposit HK$5.00M · loan HK$11.67M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,398
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,526
−HK$2,161/mo
Today · 4.125%
HK$72,687
baseline
▲ 0.50% · 4.625%
HK$77,110
+HK$4,423/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$145,374/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,092
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,133
−HK$2,070/mo
Today · 4.125%
HK$80,203
baseline
▲ 0.50% · 4.625%
HK$84,431
+HK$4,228/mo
Deposit HK$1.67M · loan HK$15.00M · min. income ≈ HK$160,406/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,914 · Scale 2, in force from 26 Feb 2026)