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$37,982
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,164
−HK$1,200/mo
Today · 4.125%
HK$40,364
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,728/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,388
−HK$1,150/mo
Today · 4.125%
HK$44,538
baseline
▲ 0.50% · 4.625%
HK$46,886
+HK$2,348/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,076/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,579
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,997
−HK$1,440/mo
Today · 4.125%
HK$48,437
baseline
▲ 0.50% · 4.625%
HK$51,384
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,874/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,706
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,066
−HK$1,379/mo
Today · 4.125%
HK$53,445
baseline
▲ 0.50% · 4.625%
HK$56,263
+HK$2,818/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,890/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,175
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,829
−HK$1,681/mo
Today · 4.125%
HK$56,510
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$113,020/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,157
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,744
−HK$1,609/mo
Today · 4.125%
HK$62,353
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,287/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,706/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,368
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,495
−HK$2,161/mo
Today · 4.125%
HK$72,656
baseline
▲ 0.50% · 4.625%
HK$77,076
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,312/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,059
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,099
−HK$2,069/mo
Today · 4.125%
HK$80,168
baseline
▲ 0.50% · 4.625%
HK$84,394
+HK$4,226/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,336/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,640 · Scale 2, in force from 26 Feb 2026)